Debt and credit Repair Kit
This kit contains 35 letters – almost every letter you could ever need to send to credit card companies, debt collectors, or anyone harassing you about debt ! The letter templates are easy to use. Simply fill in the blanks with your specific information and customize as necessary.
Keep your letters brief and professional. Always make a copy for your own records. Send using certified mail, return receipt requested; that way you have proof and a record that your letter was received.
If you have a situation that differs slightly from the examples here, select one of the letters from this kit that most closely fits your need and adapt it to your particular situation. Customize these letters as required by your circumstances and your state laws. Different states have different laws so be sure to check on yours. This kit is provided as an aid and as guidance. Laws and policies continue to change so check for current updates or changes. I am not a lawyer, so if you have questions or need help, do not hesitate to consult your trusted legal advisor.
A simple letter may be all it takes to get your debt situation back under your control. The Table of Contents lists the type of letter and to whom it is to be sent. At the top of each letter is a brief explanation when to use it. Some letters have additional notes for you at the bottom providing more information.
We know these letters can work! Send in your success stories to info@fixyourowncredit.studio1live.com!
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Table of Contents
Name of Letter – Who Letter is sent to – File Number
(see each letter for detail on when it’s used)
Debt Cures Kit………………………………………………………………………………………………….. 01
Table of Contents………………………………………………………………………………………………. 02
Stop Phone Calls – Debt Collector………………………………………………………………………. 03
Request Proof of Debt – Debt Collector………………………………………………………………. 04
Follow Up Request of Proof – Debt Collector………………………………………………………. 05
Request of Proof, Same Debt – New Debt Collector……………………………………………… 06
Dispute of “Validation” – Debt Collector…………………………………………………………….. 07
Collection Agency Tries to Change Terms…………………………………………………………….. 08
Verification of Final Payment Amount – Debt Collector………………………………………… 09
Debt Paid in Full – Debt Collector………………………………………………………………………. 10
Debt Already Settled – Debt Collector………………………………………………………………… 11
Request to Reduce Monthly Payment – Debt Collector………………………………………….. 12
Offer to Settle Debt – Debt Collector………………………………………………………………….. 13
Calls About Another Person – Debt Collector……………………………………………………….. 14
Statute of Limitations Expired – Debt Collector……………………………………………………. 15
Complaint about Collection Agency – State Attorney General………………………………… 16
Request Lower Interest Rate – Creditor……………………………………………………………….. 17
Request Removal of Fee – Creditor……………………………………………………………………… 18
Suspending Payments – Creditor…………………………………………………………………………. 19
Reduce Payments – Creditor………………………………………………………………………………. 20
Correction of Information – Credit Reporting Agency…………………………………………… 21
Credit Reporting Agency Addresses……………………………………………………………………. 22
Correction Follow-Up – Credit Reporting Agency………………………………………………… 23
Notice to File FTC Complaint – Credit Reporting Agency……………………………………… 24
Complaint Letter to FTC…………………………………………………………………………………….. 25
Notification of Lawsuit – Credit Reporting Agency………………………………………………. 26
Notification of Identity Theft – Credit Reporting Agency……………………………………… 27
Notification of Identity Theft – Debt Collector…………………………………………………….. 28
Adding Personal Statement – Credit Reporting Agency…………………………………………. 29
Free Credit Report – Credit Reporting Agency……………………………………………………… 30
Free Credit Report After Denial – Credit Reporting Agency………………………………….. 31
Request Removal of Old Info – Credit Reporting Agency……………………………………… 32
Request Removal of Inquiry – Credit Reporting Agency……………………………………….. 33
Request Removal of Inquiry – Creditor………………………………………………………………… 34
Bankruptcy Discharge – Credit Reporting Agency………………………………………………… 35
Net Worth Letter (On Letterhead of Accountant)…………………………………………………. 36
Opt Out Letter – Credit Reporting Agency…………………………………………………………… 37
Opt-Out Addresses……………………………………………………………………………………………. 38
Letter to Congressman……………………………………………………………………………………….. 39
Contact Record…………………………………………………………………………………………………. 40