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Date: Tue, 12/26/2006 - 08:50

Submitted by rgreene
on Tue, 12/26/2006 - 08:50

Posts: 11 Credits: [Donate]

Total Replies: 8


I was told to send them a letter on how much i could afford to pay each month so i was looking for letters on what all i should put in this fax. I just hope they will help.


Use this sample letter. Insert your info according to requirements. Please don't copy and paste it. Give it a personal touch so that the credit company understands your real situation.

Quote:

YOUR NAME
YOUR ADDRESS
CITY, STATE, ZIP CODE

Date:

CREDITOR NAME
ADDRESS
CITY, STATE, ZIP CODE

RE: Acct.#

Creditor:

I recently obtained a copy of my credit report and noticed that your company has reported me as having the above listed account as: (delinquent, sent to collections, etc.). I wish to bring this account to a resolution that will be fair and beneficial for both of us. Therefore, I propose to pay you X monthly payments of $, or forward a check to you in the amount of $ as payment in full, provided that you are willing to send me a letter stating you will report this to any and all credit reporting agencies as: 'PAID AS AGREED' or notify me in writing that you agree to delete this item from any and all credit reporting agencies.

I WILL NOT agree to accept a 'PAID P & L' or 'CHARGE OFF' for an additional amount of time on my credit report. It is my position that I have suffered enough as a result of this problem.

Upon receipt of your letter I will send you a cashier's check or money order in the amount of $.

Sincerely,

Signature Date signed

Your name Date printed


Send the letter through certified mail and return receipt requested. You may need to prove your actions later. Read some tips here on how to negotiate with the creditors.


lrhall41

Submitted by orake on Tue, 12/26/2006 - 09:34

( Posts: 482 | Credits: )


Half of what i am reading is covered by the google search page and login stuff how do i remove it so I can read your post. thanks


lrhall41

Submitted by rgreene on Tue, 12/26/2006 - 11:44

( Posts: 11 | Credits: )


I will work on this today, I need to decide what I can afford to pay each month. thanks


lrhall41

Submitted by rgreene on Wed, 12/27/2006 - 04:11

( Posts: 11 | Credits: )


Find more letters in these links

http://www.debtconsolidationcare.com/letters/

http://www.debtconsolidationcare.com/books/

I highly advised not to copy and paste letters found in the internet. They just give a general picture. Creditors know it very well from where you picked the letter, so they just don't take it seriously. When you write something explaining your situation, give it a personal touch, don't copy and paste from a common template.


lrhall41

Submitted by orake on Wed, 12/27/2006 - 11:46

( Posts: 482 | Credits: )