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5 sample letters to send debt collectors
Wondering how to respond to a debt collector? Our sample letters can help if you:
- Need more information
- Do not owe the debt
- Want the debt collector to stop contacting you while you dispute the debt
- Want the debt collector to only contact you through a lawyer
- Want to specify how the debt collector can contact you
* These letters are not legal advice. You'll also want to keep copies of any letters you send.
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Basics
Why a debt collector is contacting you
A debt collector may be trying to contact you because a creditor believes you are past due on the payments you owe on a debt. Read more
Learn what could happen if you avoid a debt collector
Ignoring or avoiding a debt collector is unlikely to make the debt collector stop contacting you. If you believe you do not owe the debt, you should tell the debt collector. Read more
Learn about some examples of "unfair" practices by a debt collector
The Fair Debt Collection Practices Act (FDCPA) says that a debt collector is not allowed to use unfair practices in trying to collect a debt. Read more
Understand your situation
Take action
Submit a complaint
Having trouble with a financial product or service? If you've already tried reaching out to the company and still have an issue, you can submit a complaint. Tell us about your issue—we'll forward it to the company and work to get you a response, generally within 15 days.
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