A Notice of Non-Payment is a document sent by a creditor to a debtor when payments on an account have not been made. This document is used to inform the debtor that their account is in arrears and that they must take action to bring the account current. There are generally two types of Notice of Non-Payment: Final Notice and Demand Notice. Final Notice is the last warning sent to the debtor, informing them that they must make their payment in full within a certain time frame, or legal action may be taken. Demand Notice is the first notice sent to the debtor, outlining the amount owed and the payment due date.