At times, at the end of employment, a former employer believes that a former employee owes it money. This may be for (a) sign-on bonus, (b) educational benefits, (c) alleged overpayment of wages, (d) unpaid loans, or other reasons. To avoid time and expense, some employers try to collect what is due them by sending the alleged debt to a collection agency. If you get a “demand” letter from such a company, you have substantial legal rights . . . but you need to write back to exercise those legal rights. This Model Letter shows you “What to Say, and How to Say It.™”