In Singapore, a letter of demand is usually sent to the debtor before the commencement of a writ of summons in a civil action. The issuance of a writ of summons without a formal letter of demand may cause much distress and anxiety to the debtor. At present, there is no defined protocol to be used in debt recovery claims. Currently, such protocols apply only to claims for Non-Injury Motor Accident ("NIMA") and Personal Injury ("PI") motor accident claims. The High Court of Singapore has also adopted a new protocol for medical negligence claims. The pre-action protocols prescribed by law has to be followed. Non-compliance of the prescribed protocols may lead the courts to order the party at fault to pay the costs of civil proceedings on a full indemnity basis. To collect a simple debt in Singapore, engage a lawyer to recover the debt lawfully. Debtors know that debt collection agencies cannot and do not know how to issue a writ of summons which is a legal document from the court. Nine precedents on letter of demand are annexed to this document.