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The Personal Demand Letter is a fundamental debt recovery tool in Nigerian legal practice, typically used when informal attempts to collect payment have been unsuccessful. This document represents a critical step in the debt recovery process, serving as both a formal payment request and a potential exhibit in future legal proceedings. It must be drafted in compliance with Nigerian law, particularly the Recovery of Debts (Summary Procedure) Rules and relevant civil procedure regulations. The letter should clearly state the debt amount, its origin, payment history, and provide a reasonable deadline for payment. Personal Demand Letters are essential in establishing a paper trail of collection efforts and demonstrating the creditor's reasonable attempts to resolve the matter before pursuing court action. They can be used for various types of debts, from personal loans to business transactions, and must include specific elements to be legally effective in Nigerian jurisdiction.

1. Sender's Details: Full name, address, and contact information of the person making the demand

2. Date: Current date of the letter

3. Recipient's Details: Full name and address of the debtor

4. Subject Line: Clear identifier of the letter's purpose (e.g., 'DEMAND NOTICE - OUTSTANDING PAYMENT')

5. Debt Details: Specific amount owed, origin of the debt, and date it was incurred

6. Payment History: Record of any partial payments made and remaining balance

7. Formal Demand: Clear statement of the amount demanded and payment deadline

8. Payment Instructions: Specific details on how and where to make the payment

9. Legal Consequences: Statement of intended legal action if payment is not received by the deadline

10. Closing: Professional closing, signature block, and sender's signature