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!

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

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.