Here is a collection of Sample Letters that may help you in real life. You will get a lot of these in the web but the following letters are made in a brief and simple way for you.

Letter Types

• Sample cease and desist letter to the collection agency to stop contacting you
• Debt validation letter to the source of information
• Letter to credit bureau requesting to remove the wrong information

Sample cease and desist letter to the collection agency to stop contacting you

Date
Your Name
Your Address
Your City, State Zip

Debt Collector’s Name
Address
City, State Zip

Re: Account Number

Dear Sir/Madam:

This is to notify you that in accordance with my rights under the federal debt collection laws, I am requesting you to cease and desist all further communication with me, as well as my family, friends and employers in regard to this and all other alleged debts you claim I owe.

You are hereby notified that failure to comply with this request will result in a complaint being filed with the Federal Trade Commission and the Attorney General’s office of my state. If you place any negative mark on my credit report as a result of this letter, then I will pursue civil and criminal claims against you.

I have no intentions to deal with you. I will contact the original creditor to resolve this matter, if necessary.

Sincerely,
Your Name

Debt validation letter to the source of information

Your Name
Your Address

Collection Agency Name
Collection Agency Address

Date:

Re: Account No:

To whom it may concern:

I received a copy of my credit report and noticed that there was a collection listed from your agency, which I was not notified about. This is not a refusal to pay, but this is a notice that your claim is disputed.

As pursuant with my rights under the Fair Debt Collections Practices Act (FDCPA), I requesting you to validate the debt you say I owe you. I am requesting you to prove that I am indeed the person whom you are asking to pay this debt, and if yes then the documents that show that I legally owe the money to you.

This letter is also a notification that you must stop reporting this information to the credit bureau until and unless you validate the debt in writing.

Please provide me the following information in your reply: 1. The agreement in which the creditor has authorized you to collect debt on the alleged debt. 2. The signed contract where I have confirmed to pay to the original creditor 3. Documents from the creditors that gives the complete transaction and payment history of the account 4. Name and address of the Original Creditor. 6. Proof that the alleged debt is not out of statute 7. Evidence that you are licensed to collect this debt in my State 8. Copy of your Debt Collection Rights License.

Sincerely
Your Name

Letter to credit bureau requesting to remove the wrong information

Your Name
Your Street Address
Your City, State Zip

Complaint Department
Name of Credit Reporting Agency
Their Street Address
City, State, Zip Code

Date

Dear Sir/Madam

I’m writing to you to dispute certain false information that is reported in my credit file. The errors are encircled on the attached copy of the report I received.

According to Section 611 of the Fair Credit Reporting Act, I am requesting that the items indicated are reinvestigated and deleted from my report as soon as possible. Enclosed are the documents (use this sentence if you have enclosed copies of your payment records or court documents) that support my position. Please look into this (these) matter(s) and (delete or correct) the unverifiable and inaccurate item(s).

In accordance with the Fair Credit Reporting Act of 1996, please inform me when the disputed items have been deleted. Also, send an updated copy of my credit report to the below address.

Sincerely,
Your Name
Your Address