Debt Dispute Letters
Examples of Debt letters you can use to dispute invalid debts, dispute debt on which the Statute of Limitations Period is expired or to stop 3rd party debt collection calls.
Dispute Letters Examples
of Creditor dispute letters you can use to amend or
request for a reduction in your monthly payments, dispute
credit card billing errors or dispute any invalid items
on your credit card statement.
Attention: To save yourself time from filling out these letters and mailing them yourself,
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Creditor Dispute Letters
Credit Card Accounts Letter If you have many credit card accounts
with zero balances and no transaction activities ("inactive
account"), this could actually negatively impact your
credit score. You can use this sample letter to inform the
credit card company to close your inactive credit accounts
as well as tell them to inform the Credit Reporting Bureaus
(TransUnion, Experian and Equifax) that your account is
closed at customer's will.
Video: What are Junk Debt Buyers?
Purchase Complaint Letter Use this letter to complain against
any purchases or leases of products made on your credit
card for which you are not happy/satisfied. Sending a written
complaint letter against faulty products/services sends
a strong message to the company and will definitely get
you a good response.
Complaints Resolution Letter When you have a complaint with a
credit card company that you want resolved, use this letter
to confirm your actions and the steps that the credit card
company needs to take, in order to get it resolved. We suggest
making the complaint over the phone, and then sending them
this letter to confirm your conversation on the phone.
Debt Payment Agreement Letter Your current financial situation
does not allow you to make full payments you owe to your
creditors. Unfortunate events such as loss of spouse, loss
of job, disability, or divorce force you to not be able
to keep up with your monthly payments. In this scenario,
it is best to contact your creditors right away and inform
them of your situation. Thus, use this letter to request
for a reduction in monthly payments due to financial hardship.
Payment Agreement to Creditors Letter If you have already spoken to your
creditors over the phone and if they have agreed to you
making lower payments every month, use this letter to follow
up your phone conversation and put it into writing.
Card Dispute Letter You can use this credit card dispute
letter to dispute any purchases listed on your credit card
statement that you did not make. Also, any errors that appear
on your statement can also be disputed using this letter.
In your letter, be sure to describe exactly what the error
is, any description, amounts, names & numbers of people
involved. You should also attach a copy of any receipts,
credit contract or a bill of sale, etc.
Debt Dispute Letters
Debt Verification Letter When debt collectors call you and
ask you to pay a certain bill, you can always dispute the
validity of that bill by sending them a Debt Verification
letter. In this debt verification letter, you are NOT saying
you will not make the payment, you are merely asking them
to validate that that debt really belongs to you.
Debt after Receiving the Debt Validation Forms - Invalid
"If the consumer notifies the debt collector
in writing within the thirty-day period described in subsection
(a) that the debt, or any portion thereof is disputed, or
that the consumer requests the name and address of the original
creditor, the debt collector shall cease collection of the
debt, or any disputed portion thereof, until the debt collector
obtains verification of the debt or any copy of a judgment,
or the name and address of the original creditor, and a
copy of such verification or judgment, or name and address
of the original creditor, is mailed to the consumer by the
Initial Debt Dispute Letter
If debt lenders are constantly harassing
you for any debts owed that you cannot remember or have
not borrowed, then according to the Fair Debt Collection
Practices Act (FDCPA), you have a right to dispute those
debts. If you send out a written version of this letter
to your debtor, the debtor is legally obligated to stop
harassing and calling you, until they verify the debt is
valid and have evidence/proof.
Up Debt Dispute Letter
If the debt collector hasn't responded to your initial debt
dispute letter after 30 days, it is a good idea to follow
up and request for a debt validation document. Use this
letter to follow up on the progress. Note: Use this letter ONLY after you have
sent an initial dispute letter.
Payment Negotiation Letter
When you cannot 100% meet the payment demands of your creditors,
use this letter to try to negotiate a lower monthly payment.
My Debts Letter
When you want to reach a debt settlement agreement with
your creditors, you want to pay less than you owe. A debt
settlement is a compromise between you and your creditors
that you will pay a certain amount of money every month,
below the original amount owed. Creditors would prefer receiving
a little less money from you, rather than receiving $0 payment
and having to sue you in court (which would cost them thousands
of dollars). You can use this fact to your advantage! Use
this debt settlement letter as a reference to send to your
creditors if you owe any debts.
Video: How to Write a Credit Dispute Letter
Terminating Your Debts or Official Refusal to Pay Letter
Sometimes after settling your debts with your creditors at a certain lower monthly payment, they will demand higher payments or even the entire balance! Use the following debt termination letter to let a creditor know that you cannot afford to pay the higher balance that they are asking you to pay, but are however committed to make regular on-time monthly payments at a lower rate. This letter also informs the creditor that if they cannot accept your offer of a lower on-time monthly payment, you will have to terminate your relationship with them and halt all further payments.
Debt Payment Letter: Letter to Alert Creditors that You
have Sent Payment
If you intend to fully settle a particular debt, writing
a check and and marking "Paid in Full" on your
checkbook or record book may not be enough to fully relieve
you off debt. This is because some debt collectors will
refuse to set your account to Zero or forget to do it. In
order to avoid this risk, you should use the below sampled
debt settlement letter to inform the debt collector that
you intend to send payment within 30 days and settle your
account to $0.
Post Debt Settlement Letter
You might have settled a particular debt with your Creditor but still receive debt collection calls! Given the fact that hundreds of thousands of uncollectible debt is sold to Junk Debt Buyers (JDB), you might receive one or two or more collection calls from different debt collectors, even though you have settled the debt with the original creditor! If this happens to you, use this sample letter to inform the collectors that the debt has previously been settled and warn them to stop calling you.
Sometimes even after explaining to your creditors that you
have lost your source of income (your job) and have no personal
assets, they will still keep harassing and calling you to
recover their debts. Some creditors will ask you to borrow
money from your friends/family in order to pay them down,
others will ask you to take out more credit card debt (which
will involve paying interest payments and juggle you down
into more debt). If you are in such a situation, use this
Judgement Proof letter to inform the creditor that you have
no assets and no source of income, and with the Fair Debt
Collection Practices Act, the creditor must stop harassing