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 Address
Your Phone#
Collector’s Name
Collector’s [...]
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 Name
Your Address
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
Dear Collection Manager,
Re: Account Number__________
I have sent you [...]
Under the FDCPA, you have the right to ask for validity of the debt that the collection agency says you owe to them. You’ll need the Debt Validation Letter in order to challenge the validity of the alleged debt. Given below is a sample debt validation letter for you to understand how to request in [...]
Pay for delete agreement is where you agree to pay off your debt in full or negotiate to settle your debt with the creditor/collection agency in return of their promise to erase all information on this account from your credit report. You’ll need a Pay for Delete Letter to get the promise in writing. A [...]
Unsolicited offer is an amount that you propose to pay your creditors for settlement of debt prior to discussing it with them. To make the offer on writing, you need an Unsolicited Offer Letter. Check out a sample letter given below.
Unsolicited Offer Letter to settle your debt
Your Name
Your Address
Your Phone #
Creditor’s Name
Department
Creditor’s Address
Date
Dear Creditor,
Re: Account [...]
An unsolicited offer is what you propose to pay your creditors without having an initial talk regarding settlement of your debt. The Unsolicited Offer Letter helps you to have the first written communication on debt settlement with your creditor. You’ll find a sample format of the Unsolicited Offer Letter below.
Unsolicited Offer Letter (for debt settlement)
Your [...]
If your creditor (or collection agency) makes an offer for settlement of your debt, confirm it in writing before you make a payment. Use the Debt Settlement Agreement Letter for putting down the terms and conditions of the offer and get it signed by your creditor. Here’s a sample letter for you to understand this [...]
