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If you’re looking to remove old negative items from your credit report, a Goodwill Letter is what you may need. Using goodwill letters, you can request your creditor or collection agency to remove negative listings purely out of goodwill. For instance, if you’ve made late payments due to hardship but have been a good customer [...]
A wage assignment is where you request your employer to deduct a certain amount of your wages in order for you to make payments to a third party or creditor. If you no longer want your creditor to use the wage assignment, you need to send him a Revoke Wage Assignment Letter. Given below is [...]
If you’re in financial problems, you may need to contact your creditors and request an alternative payment plan. This is when a letter to contact creditors can help you. Letter to contact creditors for reduced payment plan Your Name Your Address Your Phone# Creditor’s Name Department Creditor’s Address Date Dear Creditor, Re: Account Number__________ This [...]
If you have a past due payment or delinquent account, try negotiating an alternative payment plan with your creditor. This is when you’ll need a “letter to request creditor for alternative payment plan”. You’ll find a sample format of such a letter as given below. Letter to request creditor for alternative payment plan Your Name [...]
RE: Proof of Income Letter To Whom It May Concern, I am writing this letter to inform you of the employment status of Violetta Chaudhry. Violetta Chaudhry (ss 057-82-2172) has been working full-time for the past 12 months at a pay rate of 4.60 dollars an hour plus tips which earns her in excess of [...]
There are ways by which you can stop harassing phone calls from collection agency. One such way is to send a Cease and Desist Letter to the collection agency thereby requesting them to stop contacting you. Given below is a sample Cease and Desist Letter. Cease and Desist Letter to collection agency Your Name Your [...]
If you’re interested to deal with your original creditor regarding payment of debt and would not like to interact with the collection agency, you’ll need to stop their collection efforts. Under the FDCPA, you have the right to ask the collection agency to stop contacting you and they must comply with your request. This is [...]
Debt validation works only with collection agencies and not the original creditor. The only way you can make your original creditor verify your debt is by telling him that you’ll sue his company for defamation if he cannot prove that you are actually late on payments or even that you are on the debt account. [...]
If you have contacted the collection agency and requested a validation of debt, but they haven’t sent you a proof of your legal obligation to pay off debt, you need to send a letter to the credit bureau. You should send the letter via a registered mail. Debt Validation Follow-up Letter to credit bureau Your [...]
If a collection agency doesn’t contact you with enough proof even after you’ve requested a debt validation, you may send them a Debt Validation Follow-up Letter (via registered mail). Here’s a sample of such a letter. Debt Validation Follow-up Letter to collection agency Your Name Your Address Your Phone # Collector’s Name Collector’s Address Date [...]