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The Final Demand Letter Before Legal Action is a crucial document in Belgian debt recovery procedures, representing the last formal attempt to resolve a payment dispute before initiating court proceedings. This document is typically used when previous attempts to collect a debt have failed and the creditor is prepared to take legal action. It must comply with Belgian federal legislation, including the Civil Code, Judicial Code, and specific laws governing debt collection practices. The letter should be issued after regular invoices and reminders have been sent and ignored. It must contain specific elements required by Belgian law, such as the exact debt amount, legal interest calculations, and a reasonable payment deadline. For consumer debtors, additional requirements under the Act of 20 December 2002 on Amicable Recovery of Consumer Debt must be observed. The document serves both as a final opportunity for the debtor to settle the outstanding amount and as evidence in potential court proceedings that all reasonable attempts at amicable resolution were made.

1. Sender Details: Full legal name, address, and contact information of the creditor or their legal representative

2. Recipient Details: Full legal name and address of the debtor, including any relevant reference numbers

3. Date and Reference: Current date and any relevant reference numbers for the debt or previous correspondence

4. Subject Line: Clear indication that this is a final demand letter before legal action

5. Debt Details: Precise amount owed, origin of the debt, invoice numbers, and dates of original transactions

6. Payment History: Summary of previous payment requests and reminders sent

7. Legal Interest and Costs: Calculation of applicable legal interest and any additional costs as per Belgian law

8. Payment Instructions: Clear payment deadline (typically 7-15 days) and detailed payment methods

9. Legal Consequences: Clear statement of legal actions that will be taken if payment is not received by the deadline

10. Signature Block: Formal closing, name and signature of the authorized person