An AI-powered tool to help you create a budget and a debt payoff plan.
See how much faster you can be debt-free by adding extra to your payments.
Last updated: August 10, 2025
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Last updated: August 10, 2025
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Last Updated: August 10, 2025
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When to use: Send to a debt collector (usually within 30 days of first contact) to formally request they prove you legally owe the debt, as is your right under the FDCPA.
[Your Name]
[Your Street Address]
[Your City, State, Zip Code]
[Date]
VIA CERTIFIED MAIL
[Debt Collector Name]
[Debt Collector Address]
Re: Account Number [Your Account Number]
To Whom It May Concern:
I am writing to request validation of the debt you claim I owe, pursuant to my rights under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692g.
This is not a refusal to pay, but a notice that your claim is disputed. I request that your office provide me with verification and documentation of the original debt, including the name of the original creditor and proof that your company is licensed to collect in my state.
Please cease all collection activities until you have provided the requested documentation.
Sincerely,
[Your Name]
When to use: Send to an original creditor (e.g., your bank or credit card company) to ask them to remove a reported late payment as an act of goodwill. This works best if you have an otherwise positive payment history.
[Your Name]
[Your Street Address]
[Your City, State, Zip Code]
[Date]
[Creditor Name]
[Creditor's "Credit Bureau Disputes" or Customer Service Address]
Re: Account Number [Your Account Number]
To Whom It May Concern:
I am writing regarding my payment history for the account referenced above. I have been a loyal customer for [Number] years and value our relationship.
I recently reviewed my credit report and noticed a late payment reported for [Month, Year]. I take my financial obligations seriously and am disappointed in this oversight. The reason for this was [briefly and honestly explain why, e.g., a medical emergency, a technical error with autopay].
I would be incredibly grateful if you would consider making a "goodwill adjustment" to the credit bureaus and remove this single late payment from my credit history.
Thank you for your time and consideration.
Sincerely,
[Your Name]
When to use: Send to a debt collector to offer a payment (full or settled amount) in exchange for their promise to remove the collection account from your credit reports.
[Your Name]
[Your Street Address]
[Your City, State, Zip Code]
[Date]
[Debt Collector Name]
[Debt Collector Address]
Re: Account Number [Your Account Number]; Offer of Settlement
To Whom It May Concern:
I am writing to offer a settlement for the account referenced above. This is not an acknowledgment of liability.
I offer to pay $[Settlement Amount] as settlement in full. This offer is contingent upon your written agreement to remove any and all references to this account from my credit files with TransUnion, Equifax, and Experian.
If you accept, please send a signed letter on company letterhead confirming this agreement. Upon receipt, I will promptly send payment.
If we cannot reach an agreement, I retain all my rights under the FDCPA.
Sincerely,
[Your Name]
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