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Debt Letter Templates

Debt letters are sent from both creditors (lenders) and debtors (borrowers) for the purpose of managing debts (such as loans). Letters should be sent via certified mail in order to prove the letter was sent. Using a pre-formatted template ensures the letter contains the necessary wording to remain legally valid. While debt letters do not typically require a signature, having the sender sign on the bottom of the document can improve its legitimacy.

Types (8)


Credit Report Dispute Letter – Used for disputing information contained within a credit report provided by any of the three (3) major credit bureaus.

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Debt Collection Letter – A document sent from a creditor or debt collector to a debtor requesting payment for an unsettled debt.

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Debt Forgiveness Letter –  Informs the debtor that all of their debt has been cleared, officially ending their financial obligations to the creditor.

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Debt Release Letter – Lets the debtor know that all debt has been paid for and that they are resolved from their financial commitment.

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Debt Settlement Agreement – A binding contract formed between a creditor and debtor to restructure the payment terms of owed debt.

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Debt Settlement Offer Letter – For proposing new payment terms to a creditor or debtor regarding an outstanding debt.

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Debt Validation Letter – Allows a person to verify that an owed debt is legitimate by requiring the creditor (or debt collector) to send them information proving the debt is valid.

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Pay for Delete Letter – Sent to a debt collection agency requesting they remove all negative information from their reports and release all owed debt, in exchange for payment.

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