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Meier LLC

Attorneys at Law

1. CEASE AND DESIST LETTER TO COLLECTION AGENCY

 

[Date]

 

SENT VIA CERTIFIED MAIL

RETURN RECEIPT REQUESTED

[Name of Collection Agency]

[Street address]

[City, State, and Zip Code]

 

RE: [Your full name (including any special designations like: Jr., Sr., I, II, III, IV, etc)

       [Full Social Security Number]

       [Current telephone number]

 

To [Name of Collection Agency],

 

       Pursuant to the Fair Debt Collection Practices Act, I am writing this letter instructing you to CEASE AND DESIST all further communications with me regarding ANY AND ALL debts, accounts, and/or files that your company has for me. You are further instructed not to call me my place of employment or any other person regarding the debts, accounts, and/or files that your company has for me.

 

Sincerely,

 

[Your signature]

[Your full name]

SAMPLE LETTERS

 

1. Cease and Desist Letter to Collection Agency

2. Verification Request Letter To Collection Agency

3. Credit Report Dispute Letter to Credit Reporting Agency

4. Notice of Attorney Representation

THESE SAMPLE LETTERS ARE INTENDED FOR USE BY CONSUMERS ONLY  

 

Instructions: Highlight the complete letter that you want to use and copy it into a word processing program (i.e. MSWord, WordPerfect); then insert the correct information into the bracketed sections.

 

NOTE: The letters are written to be sent via Certified Mail Return Receipt Requested; if you choose to fax the letters, change the language to “SENT VIA FACSIMILE - [FAX NO.]” and make sure to keep the fax confirmation page.

2. VERIFICATION REQUEST LETTER TO COLLECTION AGENCY

 

[Date]

 

SENT VIA CERTIFIED MAIL

RETURN RECEIPT REQUESTED

[Name of Collection Agency]

[Street address]

[City, State, and Zip Code]

 

RE: [Your full name (including any special designations like: Jr., Sr., I, II, III, IV, etc)

       [Account Number]

       [Full Social Security Number]

 

To [Name of Credit Reporting Agency],

 

      Pursuant to the Fair Debt Collection Practices Act, I am writing this letter to dispute and request verification of the above-referenced account.  Pursuant to the Fair Debt Collection Practices Act, please provide me with the following information:

 

                    1. A copy of the original contract I signed, or a copy of the judgment against me;

                    2. The amount of the debt; and

                    3. The name of the creditor to whom I owe the debt;

 

      Pursuant to the Fair Debt Collection Practices Act, you may not send me any letters, contact me by telephone, contact any other person, contact my place of employment, initiate any legal action against me, or transfer the debt to another agency until you provide me with the information I request.

 

Sincerely,

 

[Your signature]

[Your full name]

3. CREDIT REPORT DISPUTE LETTER TO CREDIT REPORTING AGENCY

 

[Date]

 

SENT VIA CERTIFIED MAIL

RETURN RECEIPT REQUESTED

[Name of Credit Reporting Agency]

[Street address]

[City, State, and Zip Code]

 

RE: [Your full name (including any special designations like: Jr., Sr., I, II, III, IV, etc)

       [Current address]

       [Date of Birth]

       [Current telephone number]

       [Full Social Security Number]

       [Consumer's spouse]

       [Current Employer]

 

To [Name of Credit Reporting Agency],

 

       Pursuant to the Fair Credit Reporting Act, I am writing this letter to dispute certain items in the credit report you generated about me. Within 30 days of receiving this letter, please take the specific action requested with respect to each dispute. The items I am disputing are as follows:

 

Dispute No. 1

 

      Item No. [from credit report] - Creditor [from credit report] - Account No. [from credit report]

     

      Action requested: Please delete this item from my credit report. This account is not mine, I have never had an account with [name of

       creditor].

 

Dispute No. 2

 

     Item No. [from credit report] - Creditor [from credit report] - Account No. [from credit report]

 

     Action requested: Please correct the reporting of this account. This account was closed in [date] and should be reported with a zero balance.

     [I am enclosing a copy of the final account statement as proof.]

 

Dispute No. 3

 

    Item No. [from credit report] - Creditor [from credit report] - Account No. [from credit report]

      

    Action requested: Please delete this item from my credit report. This account was discharged in bankruptcy over 7 years ago. My bankruptcy

     case number was [case number] filed in [state where case was filed]

 

(include as many disputes as you have regarding the credit report from this credit reporting agency)

 

         Pursuant to the Fair Credit Reporting Act, within 30 days of your receipt of this letter, I expect to receive written notice that the items I disputed were corrected or deleted as requested, along with a copy of my amended credit report.

 

Sincerely,

 

[Your signature]

[Your full name]

4. NOTICE OF ATTORNEY REPRESENTATION

 

[Date]

 

SENT VIA CERTIFIED MAIL

RETURN RECEIPT REQUESTED

[Name of Collection Agency]

[Street address]

[City, State, and Zip Code]

 

RE: [Your full name (including any special designations like: Jr., Sr., I, II, III, IV, etc)

       [Full Social Security Number]

       [Current telephone number]

 

To [Name of Collection Agency],

 

        Pursuant to the Fair Debt Collection Practices Act, I am sending this letter to notify you that I retained an attorney to represent me in to resolve my debts. Accordingly, please cease and desist all contact with me and direct all further communications to:

 

                  [Name of Attorney]

                  [Telephone Number of Attorney]

                  [Record Number/Case Number]

 

Sincerely,

 

[Your signature]

[Your full name]

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