I have been thinking about writing a blog about waiting until the last minute but I keep dropping it to the bottom of my list. Ah, procrastination! Why do people do it? I even do it! I eventually get to what needs to be done – albeit late, and sometimes kicking, but I get there.
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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 letter is to make you aware of my current financial problem [...]
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
Your Address
Your Phone#
Creditor’s [...]
How to write a letter explaining your impending mortgage forclosure when applying for loan restructuring.
The Hardship Letter is a document that must be created in your own words. Basically you want to get across to the bank that you did experience a hardship but are looking to resolve the situation with their help. I would [...]
Request to Original Creditor to Request an Investigation About A Negative Listing
Please follow the instructions on using this letter or you can do more damage to yourself.
<Your Name>
<my address>
<your credit card company name>
<Company address>
<Date>
Re: Acct #XXX-XXX-XXXXXXX
To Whom It May Concern:
I recently pulled my credit report from Experian and TransUnion and to my amazement, saw that [...]
Sample Motion to Vacate
IN THE SUPERIOR COURT OF THE STATE OF [YOUR STATE]
IN AND FOR THE COUNTY OF [YOUR COUNTY]
[The Original Plaintiff] Plaintiff,
vs.
[YOU] ,
Defendant.
No. [COURT REFERENCE NUMBER]
MOTION AND DECLARATION TO VACATE JUDGMENT
NOW COMES the Plaintiff, Pro Se and prays this Honorable Court to Deny the Defendant’s Motion to Dismiss and Motion for Sanction for [...]
Letter to explain late payments when applying for credit
How to write a letter explaining your mortgage and/or other lates when applying for credit.
OK, so you have gotten your credit report in the best shape possible and you are trying for that new home. BUT, your credit still has some dings. Even though you may qualify, [...]
Notification of lawsuit The following is a sample letter informing a credit reporting agency that you have filed suit against them.
June 13, 2007
Equifax
1550 Peachtree Street
Atlanta, GA 30309
To Whom It May Concern:
Enclosed is a copy of the lawsuit that I filed against you in (my county) court on March 22, 2001. Currently the Pretrail Conference is [...]
