The Expert View

If the demand letter is ignored, you can file a complaint in small claims court (for smaller amounts) or civil court (for larger amounts). The complaint should detail the amount owed, the nature of the debt, and the evidence supporting your claim.Legally notify the person that a complaint has been filed against them. This usually involves serving them with a copy of the complaint and a summons.Both parties will present their case in court. The judge will review the evidence and make a ruling.