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Debt Settlement Letters and Sample Letters on Debt and Credit

The sample debt settlement letters and validation letters on this page will help you negotiate and validate your debts and understand how to deal with creditors or collection agencies (CA) in writing. Choose from the list of debt negotiation letters, debt collection letters, and credit report dispute letters to contact the creditors, CAs, or credit bureaus.



Sample Debt Settlement Letters

Debt Collection/Debt Validation Letters


Letters to Creditors

Sample Dispute Letters to Credit Bureau


Miscellaneous Letters



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  2. Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
  3. Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
  4. Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
  5. The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.