Demand letters, answered

On DemandAI Pro, minutes. Two letters captured from the production pipeline on 4 August 2026 took 72 seconds (a Virginia rear-end personal-injury demand) and 31 seconds (a mortgage reinstatement demand) end to end, and both timings include the independent audit pass that re-checks every number. Those are two captured runs, not a benchmarked average — the time scales with how much source material you upload.

Eight things: an identifying header carrying the claim number, date of loss, insured and claimant; a short introduction stating who you represent and that this is a formal demand; a statement of facts; a liability section arguing duty, breach and causation; the injuries with a dated treatment chronology and the charge for each encounter; an itemised damages breakdown that separates economic from non-economic losses; the demand figure with its arithmetic shown rather than asserted; and a response deadline with an enclosures list.

Economic damages are the losses that come with a receipt: medical bills, lost wages, property damage. Non-economic damages are the losses that do not: pain, suffering, inconvenience, loss of enjoyment of life. In the sample letter on our demo page, economic damages were $29,230 — $15,370 in medical specials plus $13,860 in lost wages — and non-economic damages were $76,850, producing a $106,080 demand.

We do not publish an acceptance rate, because we have not measured one — and you should be sceptical of any vendor that quotes you one without a methodology. What a carrier evaluates is the evidence, not the drafting tool: whether liability is documented, whether the treatment records support the injuries claimed, and whether the arithmetic holds up when an adjuster recomputes it. The letter is produced for a lawyer to review, sign and send; the platform never sends anything.

The common pre-suit method has two halves: total the economic damages from the documents, then estimate non-economic damages by multiplying the medical specials by a factor reflecting injury severity, and add the two together. In the sample letter on our demo page, $15,370 of medical specials at a 5x multiplier gave $76,850 in non-economic damages, which added to $29,230 in economic damages for a $106,080 demand. The multiplier is a negotiating convention, not a rule of law — no statute sets it.

It is a second, separately instructed generation step. Once the draft exists, the platform makes a fresh call carrying the original source documents and the draft, governed by its own auditor instructions and a strict 14-field JSON schema, and tells it to re-derive every dollar figure from the documents rather than trust what the draft claimed. It returns whether the arithmetic verified and a list of any discrepancies. If it found one, a reconcile pass runs once to correct the letter.

It is a 0-100 score computed from the audit pass’s own structured output rather than from a separate opinion, so it moves with what the auditor could actually substantiate in the source documents. The labels are Strong at 75 and above, Solid from 55 to 74, Developing from 40 to 54, and Weak below 40. The sample personal-injury letter on our demo page scored 89, which is Strong.

Twenty-three US jurisdictions: 22 states plus the District of Columbia — California, Texas, Florida, New York, Illinois, Pennsylvania, Ohio, Georgia, North Carolina, Michigan, New Jersey, Virginia, Washington, Arizona, Massachusetts, Tennessee, Indiana, Missouri, Maryland, Colorado, Wisconsin, Minnesota and DC. It is not all 50 states. If you enter a jurisdiction outside that list, the platform adds no jurisdiction context to the draft at all rather than guessing at rules it does not hold.

Contributory negligence bars a claimant from recovering anything if they bear any fault at all — even one percent. Four of the jurisdictions the platform covers apply it: Virginia, Maryland, North Carolina and the District of Columbia. Every other covered jurisdiction uses a comparative rule instead, which reduces recovery by the claimant’s share of fault rather than eliminating it.

It sets the outside date by which suit must be filed, and that date is the leverage behind the demand — a carrier reads a letter very differently when the window is closing. The platform computes a deadline from the date of loss and the jurisdiction’s limitation period, then flags it as expired, urgent at 90 days or fewer, approaching at a year or less, ok, or unknown. In the sample letter, a Virginia date of loss of 12 April 2026 produced a 12 April 2028 deadline with 616 days remaining at the time of capture.

A reinstatement demand, also called a reinstatement quote, is the itemised amount a borrower must pay to cure a default, bring the loan current and stop a pending foreclosure. It is good only through a stated date, because interest keeps accruing at a daily per-diem rate. In the sample on our demo page the itemised amounts supplied come to $9,127.76, with a $47.42 per-diem running against an unpaid principal balance of $271,438.22. That is a subtotal, not the final payoff: the letter leaves foreclosure attorney fees and the rescission recording fee as placeholders for the servicer to confirm.

A reinstatement quote is the amount needed to cure the arrears and put the loan back on schedule — the borrower keeps the mortgage and keeps paying it. A payoff demand is the amount needed to extinguish the loan entirely: unpaid principal, accrued interest, escrow and fees. Reinstatement is typically a few thousand dollars, the arrears only; a payoff is the whole remaining balance.

Under 15 U.S.C. § 1692g, a debt collector’s initial communication must tell the consumer they have 30 days to dispute the debt in writing, and that on a written dispute the collector will obtain verification and mail it to them. Regulation F, at 12 C.F.R. § 1006.34, adds a required itemisation of the amount owed. Letters generated as FDCPA validation notices carry the mini-Miranda — that the communication is from a debt collector attempting to collect a debt — and the 30-day validation language verbatim.

Six. A default notice, being the Paragraph 22 breach letter and notice of intent to accelerate; a notice of acceleration; a reinstatement demand; a payoff demand; an FDCPA validation notice; and a general demand or RESPA Regulation X early-intervention outreach. Each produces a different headline figure, and each carries its own drafting guidance rather than being a template with the title swapped.

Personal identifiers are replaced with opaque tokens before any text is sent to a model, and restored only on the finished letter. The detector covers ten identifier types — email address, phone number, Social Security number, person name, date of birth, street address, credit card, medical record number, driver’s licence and account number — plus any unlabelled run of eight or more digits, which catches loan, reference and claim numbers that carry no obvious label. If the scrub cannot be verified clean, the request is rejected with a 422 rather than sent.

It recognises the codes that appear most often in personal-injury records and translates them into plain English inside the letter: 36 CPT procedure codes and 24 ICD-10 diagnosis code families. Diagnosis matching is by code prefix, so a record showing S13.4XXA resolves to a sprain of the cervical spine — whiplash. Recognised codes are injected into the drafting prompt with their meanings attached.

Yes. Five POST endpoints — demand letters, case value, negotiation, future medical and mortgage demand — authenticated with a dl_-prefixed API key sent as either an Authorization: Bearer header or an X-API-Key header. The specification is published as OpenAPI 3.1 at /api/v1/openapi.json. There is no SDK, no OAuth flow and no GET or list endpoints: five generation endpoints, JSON only.

The free trial runs 14 days and requires no credit card. Paid plans are $127 a month for Starter with 10 letters a month, $247 for Professional with 50 letters a month and public REST API access, and $397 for Business with 100 letters a month. Litigation financing reports are included with Professional and Business plans, and expert witness recommendations are in beta.

Yes — there is a homeowner sign-in and a homeowner-facing letter flow alongside the attorney and servicer front doors. But every output is a draft for review, not a filing and not advice. Mortgage letters close with a mandatory DRAFT — FOR COMPLIANCE AND LEGAL REVIEW ONLY notice, and every limitation-period output carries an explicit general-reference-only disclaimer. For anything contested, a deadline that is close, or a dispute already in litigation, involve a lawyer.