Free Debt Letter Templates

Every letter you might need to deal with creditors and debt collectors. Copy, customize, and send certified mail.

FDCPA

Debt Validation Letter

Demand proof the debt is yours before paying a cent. Send within 30 days of first collector contact.

FDCPA

Stop all collector calls and letters legally. One letter, immediate effect.

Settlement

Put your settlement offer in writing and get their agreement in writing before paying.

Credit Report

Negotiate deletion of a collection entry as a condition of payment.

Credit Report

Ask a creditor to remove accurate late payment history as a courtesy after paying.

FCRA

Dispute inaccurate, outdated, or unverifiable items with the credit bureaus.

Hardship

Request reduced payments, interest rate reduction, or settlement. For any type of creditor.

Use the Hardship Letter Generator to get a letter built specifically for your debt type and situation.