Opening the post to find a letter of demand with a law firm's letterhead on it is an unsettling experience. It usually means someone believes you owe them money or have failed to meet an obligation, and that they are prepared to take the matter further. The instinct is often to panic, to fire back an angry reply, or to ignore it and hope it goes away, and each of those reactions can make things worse. Knowing how to respond to a letter of demand calmly and correctly can prote