Debt Negotiation Letter Template

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The letter is considered a legal document, so make sure you don't make any statements that can be used against your interests in court (threats, lies, etc.). The debt reduction request letter should clearly state that the borrower is fully aware of his or her debt and any interest and fees, and has every intention of paying it. Use the links below to pick the letter you want to use.

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Credit card debt can be oppressive and can interfere not only with your credit score, but also your ability to pay your bills.

Print or download sample debt validation, debt verification, cease and desist, wage garnishment revokation, and pay for delete settlement letter for grabbing the best deals.

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Then copy and paste the letter and edit it to fit your needs. Fax and mail a copy of that letter to the collection agency, along with your debt hardship letter, budget, proof of income, receipt of all medical bills, and proof of whatever you are saying in the letter. Subject: Past Due Credit Card Account.