Personal loan reminders made easy

Money lent but not repaid? With our legal document, you can send clear and legally secure reminders for private loans.
Published by Patricia Lederer 17.07.2025 um 08:00 Uhr

If your money doesn’t come back. How to send legally compliant reminders for private loans

A loan between friends, family or acquaintances is often based on trust. There is not much paperwork, the handshake is valid. But what happens if the money is not returned as agreed?

Many people hesitate to take legal action in such situations. Out of consideration, insecurity or fear of a dispute. Clarity is important for both sides. And that’s exactly why we have our legal document for reminders for private loans.

Commit to remembering without straining the relationship

With the template, you can implement your request in a factual, professional and legally effective manner. Without any legal fees. You can precisely formulate the amount you are claiming back, whether it is the total amount or individual installments, and by when payment must be made. The document also complies with the necessary formal requirements to put the debtor in default.

This reminder creates commitment without unnecessary pressure or emotional escalation. It is also an important basis for possible further steps. From a court order for payment to enforcement, if it has to come to that.

Focus on security as early as the loan stage

Ideally, you should already secure yourself legally when lending money. For example, with our loan agreement for private loans. This ensures that interest, repayment and collateral are clearly regulated right from the start. In our video, we explain why this is important and what mistakes are often made:

Loans between friends – what you should consider

Conclusion. One document, many advantages

  • You claim your money back in a legally secure manner

  • You avoid misunderstandings and emotional conflicts

  • You document your claim for the tax office and in the event of a dispute

  • You act without legal fees, but with effect

Download reminder now and create commitment!

Are you unsure? Get your first aid!

Are you at a loss with your request? Not sure whether you are using the right document or how to proceed?

Then book your individual first aid consultation with our legal experts.
Personal. Clear. To the point.

  • Answers to your specific questions
  • Practical, understandable, without legalese
  • Book quickly – with your preferred date

Law doesn’t have to be complicated, just explained correctly.

👉Get first aid advice from PepperPapers now!

Foto Patricia Lederer
Patricia Lederer
Author and managing director of PepperPapers

Patricia Lederer is a specialist lawyer for tax law, commercial and corporate law. Lederer specializes in national and international tax law and criminal tax law. She works in the areas of tax audits, tax investigations and represents clients in court proceedings before the tax courts nationwide, the Federal Fiscal Court, the Federal Constitutional Court and the European Court of Human Rights.
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