Perintäkirje

A perintäkirje, often translated as a dunning letter or demand letter, is a formal notification sent by a creditor or a debt collection agency to a debtor. Its primary purpose is to inform the debtor that an outstanding debt remains unpaid and to request immediate payment.

These letters typically detail the original debt amount, any accrued interest or fees, and the original due date. They often include information about the creditor or collection agency, contact details, and instructions on how to make the payment. A perintäkirje may also outline the consequences of non-payment, which could include further legal action, reporting to credit bureaus, or involvement of bailiffs.

The issuance of a perintäkirje is usually a preliminary step in the debt recovery process. It serves as a formal record that attempts have been made to collect the debt before more severe measures are taken. Debtors receiving such a letter are advised to review it carefully, verify the debt's legitimacy, and respond promptly to avoid escalating the situation. Communication with the creditor or collection agency is crucial to resolve the matter.