Free Sample Collection Letters and More

Initial Dispute Letter - Letter to Collectors

Dear {insert name of collector or company},

I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe I owe what you say I owe.

This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts:

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I Have Already Paid This Debt! - Letter to Collectors

Dear {insert name of collector or company},

This letter is to inform you that the account in question was settled on [insert date] with [insert name of collection agency]. I have enclosed copies of the settlement letter and proof of payment.

You now have proof that this debt is no longer collectable, therefore I demand that you remove this account, and all references to my personal information, from your records.

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Stop Harassing Me! - Letter to Collectors

Mr./Ms. Collector,

I am writing in response to your constant phone calls!

According to the Fair Debt Collection Practices Act,   [15 USC 1692c] Section 805(c): CEASING COMMUNICATION: You must cease all communication with me after being notified in writing that I no longer wish to communicate with you.

Therefore, I demand that you stop calling me at home, at work, on my cell phone or at any other location...

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