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90-Day Past Due Letter

Use this 90-day past due letter to collect debts that are over three months late.


  • Collecting a debt that is at least 90-days overdue.
  • Initiating negotiations with a borrower who is in default on a loan.


Whether it’s allowing your clients to pay for goods and services sometime after they have been delivered or loaning money to a friend or family member, we often find ourselves in a position where someone owes us money. For the most part, people make reasonable efforts to make good on their debts, but sometimes payments are made late due to error or an inability to pay. If you find yourself in the position of having to collect on a debt owed to you or your business, use this 90-day past due letter to encourage your borrowers to pay up.

When collecting a debt that is owed to you, it is critical to go about the process in a legal and professional manner. Sending this 90-day past due letter to the person late on repaying their loan will let them know that you are serious about the debt. Often, the borrower will submit payment immediately after receiving the letter. In other cases, a 90-day past due letter can begin negotiations between a lender and a borrower who finds himself unable to make monthly payments.

Regardless of the circumstances, if you find that someone who owes you money has missed a payment deadline by at least 90 days, use this interactive form to generate a 90-day past due letter that will be effective in helping you get the money that is owed.