Free Sample Collection Letters

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	Welcome to creditcardbanc.com Simple, Safe, Comprehensive In todays economy more and more people are finding themselves having to deal with collection agencies, mortgage companies and credit card companies. Knowing the correct way to communicate is essential for you if you want to protect your rights as a consumer. We have had the letters below drafted for us to cover almost any credit situation we could imagine. Used in the right context these letters can save a lot of heartach, time and money. These letters are samples, we are not a legal advisor nor can we take responsibility for how you use these sample letters.

Free Sample Collection Letters

Collection Agencies (All letters open in a new window, click blue icon)

These letters are to be sent to collection agencies, not to the credit bureaus.

When you first get a collection letter or phone call is the time to act. By using the initial sample dispute collection letter in the first thirty days you will make the collection company follow strict FCRA guidelines.

The initial letter makes the collection agency FULLY identify their self and the nature of their collections.

Initial Debt Collection Dispute

Follow-up Debt Collection Dispute (Same Collector)

2nd Debt Collection Dispute (New Collector)

Debt is Still Invalid (collector attempted to verify the debt)

Final Payment (Debt Paid in Full)

Debt Was Previously Settled

Payment Agreement w/Debt Collector

Expired Statute of Limitations (SoL)

Judgment Proof

Stopping Collection Calls

Credit Bureau - (All letters open in a new window, click blue icon)

Send these letters to the Credit Bureaus, not collection agencies.

Credit bureaus, or otherwise known as credit repositories only report what they are sent by your creditors.

Unlike the collection agents, these people can be your friend. Treating them kindly will go a long way when trying to correct errors on your bureau.

Initial Dispute Letter

Follow-up Dispute Letter

Explain Negative Items in Credit Reports

Remove Outdated Information

CRA Remove Illegal Inquiries

Creditors Remove Illegal Inquiries

Creditors (All letters open in a new window, click blue icon)

Send this group of letters to the actual creditors before they go to a collection agency.

A lot of the time you have a lot more flexibility when dealing directly with the creditor. Use these letters to professionally communicate with them and let them know that you know your business!

Reduced Payment w/Creditor Agreement

Amend Debt Payment Agreement

Credit Card Dispute

Credit Complaint Resolution Letter

Product or Service Complaint

Close Credit Accounts

Credit Repair Do's and Don't's (Download the Full Fair Credit Reporting Act Here)

Never give your social security number to a collection agent.
Never do a "check by phone".
Never ever give your debit card number over the phone.
Never give a credit card number over the phone.
Never pay a debt off without a letter stating they will accept payment as paid in full.
ALWAYS try to negotiate your debts to 50 - 60 cents on the dollar.
ALWAYS send any payments certified or money orders.
ALWAYS send all letters via certified mail and keep the receipts.
ALWAYS act professional even if the collector doesn't.
ALWAYS save ALL correspondence and payments to later show to the credit bureaus.

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Welcome to creditcardbanc.com

Simple, Safe, Comprehensive

Free Sample Collection Letters

Collection Agencies (All letters open in a new window, click blue icon)

These letters are to be sent to collection agencies, not to the credit bureaus.

Credit Bureau - (All letters open in a new window, click blue icon)

Send these letters to the Credit Bureaus, not collection agencies.

Creditors (All letters open in a new window, click blue icon)

Send this group of letters to the actual creditors before they go to a collection agency.

Credit Repair Do's and Don't's (Download the Full Fair Credit Reporting Act Here)