Debt-n-Credit Letters

Helping consumers handle debt and credits issues for over 15 years!

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    • How to Beat a Collection Lawsuit
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  • Dispute Letters
    • Creditor Dispute Letters
      • Reduced Payment w/Creditor Agreement
      • Product or Service Complaint
      • Credit Complaint Resolution Letter
      • Credit Card Dispute
      • Amend Debt Payment Agreement
      • Close Credit Accounts
    • Debt Collection Dispute letters
      • 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)
      • Payment Refusal and Termination Letter
      • Final Payment (Debt Paid in Full)
      • Debt Was Previously Settled
      • Payment Agreement w/Debt Collector
      • Debt Settlement Offer w/Debt Collector
      • Stop 3rd Party Calls Letter
      • “Paid in Full” on Check Warning
      • Expired Statute of Limitations (SoL)
      • Judgment Proof
      • Stopping Collection Calls
    • Credit Report Dispute Letters
      • Initial Dispute Letter
      • Follow-up Credit Report Dispute Letter
      • Explain Negative Items in Credit Reports
      • Request Free Credit Report
      • Remove Outdated Information
      • CRA Remove Illegal Inquiries
      • Creditors Remove Illegal Inquiries
      • Credit Bureaus Contact
      • Complain to the FTC
  • Special Instructions
    • How to Complain After Making a Purchase
    • Mailing & Record Keeping Instructions
    • Opt-out Letter
    • How and Where to File Complaints About Banks, and other Credit Institutions
    • Phone log for recording calls to creditors
  • Phone Scripts
    • Responding to Debt Collection Calls
    • Complaining about Poor Products & Services
    • Negotiating Lower Payments with Creditors
  • Debt Collection
    • Statute of Limitations (SoL)
    • Wage Garnishment Laws
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