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1. Previous Communications: Reference to prior collection attempts and correspondence, used when this is not the first notice

2. Settlement Offer: Proposed payment plan or settlement terms, included when the creditor is willing to negotiate

3. Islamic Law Compliance: Specific reference to Sharia compliance of the original transaction, included when dealing with Islamic financial institutions

4. Dispute Rights: Information about the debtor's right to dispute the debt, included in first notices

5. Good Faith Statement: Statement expressing willingness to work with the debtor, included when maintaining business relationships is important

1. Statement of Account: Detailed breakdown of the debt, including principal amount, any permissible charges, and payment history

2. Original Agreement: Copy of the original contract or agreement that established the debt

3. Payment Instructions: Detailed payment methods and bank account information

4. Communication Log: Record of previous attempts to collect the debt, including dates and methods of contact

5. Supporting Documents: Any relevant invoices, delivery receipts, or other documents proving the debt