LabanPH

How do I write and send a demand letter?

Last updated: 2026-07-12 ยท Educational content; not legal advice.

Short answer

A demand letter is a dated written notice that states who you are, what happened, the exact amount or action you demand, and a deadline to comply (commonly 15 days), with a clear statement that you will pursue legal action if the party fails. Beyond being required or expected before many cases (including small claims), a written extrajudicial demand also interrupts prescription under Article 1155 of the Civil Code โ€” meaning the clock for filing your case restarts from the date the debtor receives it. Send it in a way that proves receipt: registered mail with return card, a courier with delivery confirmation, or personal service with an acknowledged copy, and keep proof.

Primary sources

Frequently asked

Does a demand letter need to be notarized?

No. A demand letter is effective as a private written demand without notarization; what matters is that it is in writing, clearly states the demand and deadline, and that you can prove the other party received it.

How does it 'interrupt prescription'?

Under Art. 1155, a written extrajudicial demand stops the prescriptive clock; the period begins to run anew from the debtor's receipt of the demand. This is why keeping proof of receipt (registry return card, courier confirmation) is important.

What should the deadline be?

There is no single fixed period; a reasonable window such as 15 days from receipt is common. State the deadline plainly and say what you will do if it lapses (file with the regulator, small claims, or court).

Take action

Got a similar problem?

File a complaint and we'll pre-fill BSP, SEC, DTI, and small-claims letters for you.

More on Filing Complaints โ†’

How to file with BSP, SEC, NPC, and small-claims court โ€” the evidence, timelines, and fees.

Other questions

๐Ÿ’ฌ