sample letters

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5 Sample Letters That Get Debt Collectors Out Of Your Face

Calls from debt collectors can make your life miserable when you’re already pretty miserable from being in so much debt. It’s even worse when you already paid the debt, or it wasn’t yours to begin with–what should you do next? That’s why sample letters can be a good starting point, or you can just send them as is. [More]

Cattleprod Loan Servicers To Answer Your Loan Modification Requests

Cattleprod Loan Servicers To Answer Your Loan Modification Requests

If you’re trying to get your mortgage modified or just a question answered but find yourself stymied by your loan servicer’s slow or lack or response, you can write what is termed a qualified written request (QWR) under section 6 of Respa, The Real Estate Settlement Procedures Act. Under federal law, they have to acknowledge the letter within 20 working days and respond in 60. Inside, a template to follow for drafting a QWR…

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Sample Letter For Disputing A Debt Collection Notice

If you’ve received a notice from a debt collector, but have reason to believe you don’t actually owe that debt (or owe a lot less than they say you owe), federal law gives you a brief opportunity to force the collector to demonstrate that you do indeed owe this debt, and to stop trying to collect on it until they have verified you are the one responsible, and that the money is still owed. [More]