giving them a final chance to rectify the situation financially or otherwise. Most demand letters include directions as to how to resolve the issue, including payment details and deadlines.

THESE LETTERS SAY FINAL DEMAND FOR PAYMENT AND THEN THREATEN WAGE GARNISHMENT OR PROPERTY SEIZURE UNLESS YOU CALL A NUMBER TO SATISFY THAT LEIN. HERE’S WHAT TO LOOK FOR IN THIS SCAM. THIS PHONY ...

If the letter had not been headed 'Final Notice' I might well have paid. But I thought, hang on, I have not received any earlier request for payment, so why should I be getting a final demand?