Kentucky Demand Letter Generator
Write a demand letter for money owed or a security deposit in Kentucky, with Kentucky's rules built in: the $2,500 small claims limit. It runs in your browser; nothing you type is stored or sent.
Everything you type stays in this browser. Nothing is sent to us or saved.
The date in the letter is counted from today.
Facts only: what was agreed, what was paid, what went wrong. Each line becomes a paragraph.
Kentucky rules this letter uses
Small claims court
Limit $2,500. Before you file: Not required by the sources we checked. Find the court, fee and filing steps
Check these before you send
- Add your name.
- Add the name of the person or business that owes you.
- Add the amount you are asking for.
Your letter
[Your name]
October 26, 2026
[Their name]
Re: Demand for payment of [amount]
Dear [Their name],
I am writing about the money I lent you.
This letter is a formal demand that you pay me [amount] by November 9, 2026, which is 14 days from the date of this letter.
Please contact me at the address above to arrange payment.
I would prefer to settle this without going to court. Please respond in writing.
Sincerely,
[Your name]
Before you send
- Keep a copy of this letter and send it in a way you can prove, such as certified mail with a return receipt.
- Stick to the facts and the next step you will take. Do not threaten to report the person to the police or to expose them publicly to get paid.
- Lawsuits have deadlines (statutes of limitations). If the debt or damage is old, check the deadline before you rely on this letter.
- This letter template is general information, not legal advice.
Kentucky rules for demand letters
Small claims court in Kentucky
The general small claims limit in Kentucky is $2,500. The Kentucky small claims sources we checked do not require a demand before filing, but a written demand is still useful evidence. No formal demand is required, but the court handbook says you should try to resolve the dispute before filing.
The small claims court finder shows the filing fee for your amount, where to file and how to serve; our Kentucky small claims guide walks through the whole case.
Security deposits in Kentucky
Kentucky has no statewide deadline for returning a security deposit. Where a city or county has adopted the Uniform Residential Landlord and Tenant Act, a landlord who did not keep the deposit in a separate account and did not provide the initial and final damage listings may not keep any of it. In those places, if the landlord sends notice of a refund and gets no response from the tenant within 60 days, the landlord may keep the deposit. KRS 383.580
If you rented in a city or county that adopted the Uniform Residential Landlord and Tenant Act and the landlord sends you a notice about your refund, respond within 60 days. Otherwise the landlord may keep the deposit.
Consumer protection notice in Kentucky
The sources we checked show no general written-notice requirement before a consumer lawsuit under the Kentucky Consumer Protection Act. No pre-suit demand letter is required. A consumer who buys or leases goods or services mainly for personal, family or household use may sue in Circuit Court where the seller resides, has its principal place of business, or is doing business, or where the buyer lives or the transaction occurred.
What a demand letter should say
A demand letter is a short, factual request for payment. It names who owes whom, how much, and why; it sets a date to pay; and it says what you will do next if you are not paid. Keep it to what you could prove to a judge: the agreement, the dates, the amount, and any payments already made.
- Your name and mailing address, the date, and the other side's name and address.
- The amount you are asking for and how you got to it.
- A short account of what was agreed and what went wrong.
- A clear deadline and how to pay.
- Your next step if you are not paid, such as filing in small claims court.
Send it in a way you can prove, such as certified mail with a return receipt, and keep a copy for the court file.
What this tool does not do
- It does not send the letter, store it, or put anything you type in the web address. Everything stays in your browser.
- It does not calculate interest, judge whether your claim is strong, or say what a court would award.
- It does not check your statute of limitations. Use the statute of limitations calculator.
- It is general information and a template, not legal advice.
Limits of this information
- Some landlords, leases and cities follow different deposit rules; the statute linked above lists exceptions.
- Laws change. These rules were checked against official sources on October 20, 2026.
- This is a template and general information, not legal advice.
Frequently Asked Questions
Do I need to send a demand letter before suing in Kentucky small claims court?
The Kentucky small claims sources we checked do not require a demand before filing, but a written demand is still useful evidence.
How much can I sue for in Kentucky small claims court?
The general limit is $2,500 (KRS 24A.230(1)). Pick Kentucky in the small claims court finder for the fee and filing steps.
How long does a landlord have to return a security deposit in Kentucky?
Kentucky has no statewide deadline for returning a security deposit. Where a city or county has adopted the Uniform Residential Landlord and Tenant Act, a landlord who did not keep the deposit in a separate account and did not provide the initial and final damage listings may not keep any of it. In those places, if the landlord sends notice of a refund and gets no response from the tenant within 60 days, the landlord may keep the deposit.
Does Kentucky require notice before suing a business under its consumer protection law?
The sources we checked show no general written-notice requirement before a consumer lawsuit under the Kentucky Consumer Protection Act. No pre-suit demand letter is required. A consumer who buys or leases goods or services mainly for personal, family or household use may sue in Circuit Court where the seller resides, has its principal place of business, or is doing business, or where the buyer lives or the transaction occurred.
Sources
- KRS 24A.230(1) (small claims limit)
- Small Claims Handbook p.4 (demand before filing)
- KRS 383.580 (security deposit)
- KRS 383.500
- KRS 367.220 (Kentucky Consumer Protection Act)
Kentucky rules checked against official sources on October 20, 2026.
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