Legal Letter Templates

[Your Name] [Your Address] [City, State ZIP] [Date] [Collection Agency Name] [Collection Agency Address] Re: Account No. [Account Number] — [Original Creditor Name] To Whom It May Concern: This letter is in response to your [letter/call] dated [Date] regarding the above account. I am invoking my rights under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692g, to request verification of this debt. Please provide the following: 1. The exact amount of the debt, including a breakdown of principal, interest, and fees. 2. The name and address of the original creditor. 3. A copy of the original signed agreement creating this debt. 4. Proof your agency is licensed to collect debts in [Your State]. 5. Proof the statute of limitations has not expired on this debt. Per the FDCPA, you must cease ALL collection activity — including credit reporting — until you provide adequate verification. Continued collection activity without verification is a violation of federal law and may subject your agency to a lawsuit. Please respond in writing only. Do not contact me by telephone. Sincerely, [Signature] [Printed Name] Sent via Certified Mail No. [USPS Tracking Number]

[Your Name] [Your Address] [City, State ZIP] [Date] [Collection Agency Name] [Collection Agency Address] Re: Account No. [Account Number] — CEASE AND DESIST To Whom It May Concern: Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. § 805(c), I hereby demand you CEASE AND DESIST all communication with me regarding the above debt. This includes: • All phone calls to any number • Letters, emails, texts, or electronic messages • Contact with any third parties including family or employers You are permitted ONE final contact — to confirm you are ceasing collection, or to disclose a specific intended action such as filing a lawsuit. Any further contact beyond that single permitted communication will be documented as a violation of the FDCPA. I will pursue all available legal remedies, including a lawsuit for up to $1,000 in statutory damages per violation plus attorney's fees. Sincerely, [Signature] [Printed Name] Sent via Certified Mail No. [USPS Tracking Number]

[Your Name] [Your Address] [City, State ZIP] [Date] [SSN Last 4: XXXX] [DOB: XX/XX/XXXX] [Credit Bureau Name & Dispute Address] Re: Formal Dispute of Inaccurate Credit Information To Whom It May Concern: I am exercising my rights under the Fair Credit Reporting Act, 15 U.S.C. § 1681i, to dispute the following inaccurate information on my credit report: DISPUTED ITEM: • Creditor: [Name] • Account Number: [Number] • What Is Wrong: [Describe the specific error] • What It Should Say / Requested Action: [Correction or deletion] Enclosed (copies only — not originals): ☐ Highlighted copy of credit report showing the disputed item ☐ [Any supporting documentation] Under the FCRA, you must: 1. Investigate within 30 days of receipt. 2. Forward my dispute to the information furnisher. 3. Delete or correct anything inaccurate or unverifiable. 4. Send me written results and a corrected free copy of my report. Sincerely, [Signature] [Printed Name] Sent via Certified Mail No. [USPS Tracking Number]

[Your Name] [Your Address] [City, State ZIP] [Date] [Collection Agency Name] [Collection Agency Address] Re: Account No. [Account Number] — TIME-BARRED DEBT To Whom It May Concern: I am writing regarding your recent attempt to collect the above-referenced debt. This debt is time-barred under applicable state law, and you are prohibited from taking legal action to collect it. My last payment or last activity on this account was approximately [Date]. Under [State] law, the statute of limitations for this type of debt is [X] years. This debt became legally uncollectible approximately [Month/Year]. Under the FDCPA, threatening legal action on a time-barred debt you know cannot be enforced is a deceptive practice and a federal violation. [Add if applicable: Under [State] law, you are also required to disclose this debt is time-barred before attempting collection.] PLEASE BE ADVISED: 1. I am not acknowledging, admitting, or agreeing to pay this debt. 2. This response does not restart the statute of limitations. 3. Any lawsuit threat on this time-barred debt is an FDCPA violation. 4. If this account is past the 7-year FCRA reporting limit, remove it from my credit reports immediately. I demand you cease all collection activity and confirm in writing this matter is closed. Sincerely, [Signature] [Printed Name] Sent via Certified Mail No. [USPS Tracking Number]