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The Collection Letter Final Notice is a critical document in the Irish debt collection process, representing the last formal attempt to resolve a debt before legal action is initiated. It is typically issued after multiple previous collection attempts have been unsuccessful and serves as a final warning to the debtor. The document must be drafted in compliance with Irish consumer protection legislation, including the Consumer Protection Act 2007 and the Central Bank Consumer Protection Code 2012. It should include specific details about the debt, payment history, current balance including any interest or charges, clear payment instructions, and explicit information about the consequences of non-payment. The timing of this notice is crucial, as it often starts the final countdown before legal proceedings and must therefore meet all procedural requirements for admissibility in Irish courts.

1. Header Information: Creditor's details, debtor's details, date, reference numbers, and 'FINAL NOTICE' clearly marked

2. Debt Details: Clear statement of the original debt amount, current balance, interest accrued, and any additional charges

3. Payment History: Brief summary of previous payment attempts and communications

4. Legal Requirement: Statement indicating this is a final notice before legal action

5. Action Required: Clear statement of what the debtor needs to do, including payment deadline

6. Payment Instructions: Detailed information on how to make the payment, including all available payment methods

7. Consequences: Clear explanation of what will happen if payment is not received by the deadline

8. Contact Information: How the debtor can contact you to discuss the debt or arrange payment

9. Legal Disclaimers: Required legal notices and statements under Irish law