Personal Finance Letter Templates
Don’t stress about what to say.
Use Debt.com’s free letter templates!
Corresponding with creditors, debt collectors, and the credit bureaus can be stressful. A wrongly worded dispute or collection response can actually hurt your chances of getting a successful outcome. You need to know exactly what to say and how to say it to maximize your chances of success. That’s why Debt.com has created this library of personal finance letter templates that you can use to easily craft correspondence.
Each of these letter templates can be downloaded as a PDF. Simply copy and paste the letter into your favorite word processing program and replace the field information. Then you should be ready to send a letter that will get the results you want!
Debt Settlement Offer
Use this template to send an initial settlement offer to a debt collector. This will start the debt negotiation process, so you can settle a debt in collections for less than the full amount owed.
Debt Settlement Counteroffer
If you received a settlement offer from a debt collector, this template helps you respond with a counteroffer, so you can get out of debt for a small percentage of what you owe.
Debt Collection Cease & Desist
You have to tell a collector to cease all contact related to specific debts. This template will help you stop collection calls and force the collector to either drop the matter or take it up in court.
Credit Dispute Letter
This is generally the best type of dispute letter to send. It just lists the mistake from the credit report, supplies evidence to prove your case, and asks to remove the negative item.
Credit Dispute Letter – 609
This letter references Section 609 of the FCRA and requests that the credit bureau verify an item in your credit report. In this letter, you ask a credit bureau to verify information, and if that information cannot be verified, it must be removed.
Credit Dispute Letter – 611
It requests that the credit bureau provide the method of verification they used to verify a disputed item. You send this letter after a credit bureau responds to a dispute and says that they verified the information. You’re basically asking the bureau to check again.
Credit Dispute Letter – 623
The 623 credit dispute letter, which references Section 623 of the FCRA, is a “last-ditch” attempt to remove a record. Once you go through the process of sending a general dispute letter or a 609, then sending a 611 dispute letter, you have the last option of contacting the data furnisher directly.