# Bad Debt Write-Off Memo Template Source: https://nerix.ai/templates/bad-debt-write-off-memo Record and approve writing off a debt that cannot be collected, with the steps already tried. Before you send it Tax and accounting rules on bad debts, and on tax relief, differ by country and need proof of collection efforts. Check with your accountant. Writing off a debt does not cancel the customer's duty to pay unless you tell them so. ## Fill it in and preview You are signed in. Fill it in your workspace and it is kept as a document you can send, share and have signed. [Open in your workspace](https://app.nerix.ai/documents/templates/bad-debt-write-off-memo) ### Memo: bad debt write-off **Company:** Northgate Building Ltd **Date:** 14 October 2027 **From:** Anna Berg, Credit Controller **To:** Sofia Marin, Finance Director ## Request I ask for approval to write off the debt below as uncollectable. **Customer:** Delta Interiors Ltd ## Invoices INV-2041, 12 March 2027, EUR 4,800 INV-2057, 2 April 2027, EUR 1,250 **Total to write off:** EUR 6,050 **Already provided for:** EUR 3,000 ## Collection steps taken Reminders sent 30, 45 and 60 days after due date Phone calls on 5 May and 19 May Formal demand letter on 2 June Debt collector instructed on 20 June, no payment found ## Why it cannot be collected The customer closed in August 2027 and has no assets. The liquidator confirmed no payment to unsecured creditors. ## Chance of recovery Very low. We will accept any payment received and record it as recovered. ## What we will change Credit check for new customers above EUR 2,000 and a lower limit for late payers. ## Accounting The amount will be recorded as a bad debt expense, less any provision, and removed from the customer's account. If money is received later, it will be recorded as recovered. ## Approval **Requested by (Anna Berg, Credit Controller):** ______________________ Date: 14 October 2027 **Approved by (Sofia Marin, Finance Director):** ______________________ Date: 14 October 2027 Decision: Approved / Not approved Templates are a careful starting point, not legal advice. Where the law matters, check what applies where you are. Finance and accounting ## What this template is for A bad debt write-off memo to approve writing off an unpaid invoice. Record the debt, the collection steps taken, the reason, the amount and who approved it. It is free to fill in online, needs no account, and downloads as a Word document or a PDF. [See all Finance and accounting templates](https://nerix.ai/templates/finance-accounting) Finance and accounting ## What you fill in The form asks for 12 details. The document fills itself in as you type. - ### Company For example: Northgate Building Ltd - ### Date For example: 14 October 2027 - ### From For example: Anna Berg, Credit Controller - ### To (approver) For example: Sofia Marin, Finance Director - ### Customer For example: Delta Interiors Ltd - ### Invoices written off For example: INV-2041, 12 March 2027, EUR 4,800 INV-2057, 2 April 2027, EUR 1,250 - ### Total amount to write off For example: EUR 6,050 - ### Already provided for optional For example: EUR 3,000 - ### Collection steps taken For example: Reminders sent 30, 45 and 60 days after due date Phone calls on 5 May and 19 May Formal demand letter on 2 June Debt collector instructed on 20 June, no payment found - ### Why it cannot be collected For example: The customer closed in August 2027 and has no assets. The liquidator confirmed no payment to unsecured creditors. - ### Chance of getting money later optional For example: Very low. We will accept any payment received and record it as recovered. - ### What we will change optional For example: Credit check for new customers above EUR 2,000 and a lower limit for late payers. Finance and accounting ## What is inside The parts of this document, in order. - 1 Request - 2 Invoices - 3 Collection steps taken - 4 Why it cannot be collected - 5 Chance of recovery - 6 What we will change - 7 Accounting - 8 Approval Templates ## How it works - 01 ### Fill in Type your details in the form. The document fills itself in as you type; click any gap to jump to its field. - 02 ### Check Read it through. Gaps you have not filled stay marked, so nothing goes out half done. - 03 ### Download Save it as a Word document to edit further, or as a PDF to send or print. ### Make it yours with AI Open it in the chat and ask for changes: shorter, firmer, another situation, another language. [Adapt it with nerix](https://nerix.ai/try?template=bad-debt-write-off-memo) ### Was this template helpful? Finance and accounting ## Questions people ask ### What details does this template ask for? The form asks for 12 details, starting with Company, Date, From, To, Customer. 3 more are optional. ### Can I download this template as Word or PDF? Yes. When you have filled in the form, save it as a Word document to keep editing, or as a PDF to send or print. It is free and needs no account. ### Is what I type sent anywhere? No. What you type stays in your browser while you fill in the document. It only goes to nerix if you choose to open the template in the chat. ### What should I check before I use this template? Tax and accounting rules on bad debts, and on tax relief, differ by country and need proof of collection efforts. Check with your accountant. Writing off a debt does not cancel the customer's duty to pay unless you tell them so. ### Are these finance templates free? Most are. Fill in and download them for free as Word or PDF, with no account. A few longer documents are premium: free to fill in, paid once to download, and marked with their price. ### Do these templates include tax rules? No. Tax and invoicing rules differ by country. Each template has fields for amounts and references, and you add the tax details your local rules require. ### Can I use them with my accounting software? Yes. They are plain documents. Download the Word version, or copy the figures into your software. Templates ## More in Finance and accounting - [Account reconciliation sign-off Show that a ledger balance matches the bank or statement, with the differences explained and signed off. Finance and accounting](https://nerix.ai/templates/account-reconciliation-sign-off) - [New Balance sheet Show what a business owns and owes on one date, with totals and a check that both sides match. 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