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Debt Dispute Letters - Index

Perhaps you've experienced some financial difficulty and cannot pay your debts, or maybe you now have a steady income and wish to resume making payments or settle a debt. Maybe you already paid off a debt but now a new collector is calling demanding money for the same account. Whatever your situation, the best method for dealing with debt and credit issues is to put all correspondence in writing.

You are welcome to copy and paste any of the free sample letters displayed throughout this site. If you'd like an electronic copy of any letter, simply submit the FREE Request Form and I'll send you a copy absolutely FREE!

Initial Debt Collection Dispute Final Payment (Debt Paid in Full) "Paid in Full" on Check Warning
Follow-up Debt Collection Dispute (same Collector) Debt Was Previously Settled Expired Statute of Limitations (SoL)
2nd Debt Collection Dispute (New Collector) Payment Agreement w/Debt Collector Judgment Proof
Debt is Still Invalid (collector attempted to verify the debt) Debt Settlement Offer w/Debt Collector Stopping Collection Calls
Payment Refusal and Termination Letter Stop 3rd Party Calls Letter  

Rather than spend time copying or requesting individual letters,
you can get all letters in one convenient package here...

Use the free sample debt dispute letters above to draft your own letters for disputing debts that you do not believe are valid, to stop collection calls; to make payment or settlement offers; to inform collectors that you already paid a debt; inform collectors that you are judgment proof or that the statute of limitations (legal time limit to enforce a debt) has expired.