Legal Question in Credit and Debt Law in North Carolina

Re: Debt Notification

There is no one "legal" form of demand for payment, unless the creditor wants to recover attorneys' fees in addition to the amount of the debt. Attorney's fees are recoverable if there was a written agreement providing for collection of attorneys fees in the event of default. Most creditors, collection agencies, and creditor's lawyers prudently send something in writing identifying the name of the creditor, stating the total amount you owe, and what he will do if you immediately make arrangements for payment.