Sample Credit Repair Letters

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Sample cease and desist letter to be sent to collection agency.  Remember, this will stop the calls but does nothing to stop the collection effort.  If the debt is legitimate, deal with the agency through the mail.  If you cut off their ability to talk to you on the phone, they may be more likely to sue you.

Debt Collector’s Name
Address
City, State Zip

Re: Account Number

Dear Debt Collector:

Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe.

You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the [your state here] Attorney General’s office. Civil and criminal claims will be pursued.

Sincerely,

Sample cease and desist letter for an old debt that is no longer subject to the statute of limitations in your state.  

Date

Your Name
Address
City, State Zip 

Debt Collector’s Name
Address
City, State Zip

Re: Account Number

Dear Debt Collector: 

Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. 

The alleged debt is well outside the statute of limitations as defined by [your state] and any threat of legal action to include lawsuit, garnishment lien or like actions will be reported to the FTC. 

You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the [your state here] Attorney General’s office. Civil and criminal claims will be pursued. 

Sincerely,

Sample Debt Validation Letter 

Your Name
Your Address
Your Phone #

 

Collector's Name
Collector's Address 

Date


 

Dear Collection Manager,
Re: Account Number__________  

This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim.  

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission (FTC) and other state/federal agencies. 

Please attach copies of the following documents: 

1. Agreement with your client that authorizes you to collect on this alleged debt.  
2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.  
3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.  

With regards,