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The Debt Notification Letter is a crucial document used in Indonesian business and financial practices when formal notification of outstanding debt is required. It serves as an official communication between creditors and debtors, typically issued when payment is overdue or when formal documentation of debt is necessary. The document must comply with Indonesian Civil Code requirements and relevant financial regulations, including those set by OJK and Bank Indonesia. It contains essential information such as debt amount, payment history, due dates, and payment instructions. This formal notification is often a prerequisite for legal action and demonstrates the creditor's attempt to resolve the debt amicably before pursuing legal remedies. The letter may be used in various contexts, from simple payment reminders to more serious pre-legal action notices, and must be drafted in accordance with Indonesian debt collection and consumer protection laws.

1. Header and Date: Formal letter heading including sender's details, recipient's details, and date of notification

2. Reference Number: Unique identifier for the notification letter for tracking and future correspondence

3. Subject Line: Clear indication that this is a debt notification letter

4. Recipient Details: Full name and address of the debtor

5. Debt Information: Specific details about the debt including original amount, current amount, interest accrued, and date of origin

6. Payment History: Brief summary of any previous payments made and current outstanding balance

7. Payment Requirements: Clear statement of amount due and payment deadline

8. Payment Methods: Detailed information about acceptable payment methods and account details

9. Contact Information: Details for how the debtor can contact the creditor or authorized representative

10. Signature Block: Official signature, name, and title of the authorized representative