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November 15, 2018 1st Anniversary Wishes 3 comments

Download our Debt Collection Letters for FREE! Simply subscribe to our mailing list for some great tips regarding debt collection and credit management.


What are debt collectors not allowed to do?

Remember, a debt collector is anyone who regularly collects debts for others. It is illegal for a debt collector to harass, oppress, or abuse you. For example, a debt collector:

  • Cannot threaten to physically harm you, your family, or property;
  • Cannot call you before 8 am or after 9 pm;
  • Cannot call you at work if they know your employer doesn’t allow such calls;
  • Cannot repeatedly call to harass you;
  • Cannot use abusive, profane, or threatening language;
  • Cannot tell others about your debt (except a credit bureau);
  • Cannot pretend or lead you to believe that they are attorneys or government representatives;
  • Cannot tell you that you have committed a crime by not paying the debt or that you will be arrested if you don’t pay the debt immediately;
  • Cannot threaten to do things they cannot actually do, or do not intend to do;
  • Cannot make you accept collect calls or pay telegram fees; and,
  • Cannot remain anonymous. Debt collectors must tell you who they are and who they work for when they call.


What can I do if a debt collector broke the law?

You may be able to sue a debt collector for breaking the law. A judge may award you $1,000 in damages, plus any other actual damages and attorney fees. Make sure you keep a written record any time that a debt collector does anything that you think is illegal. Having this information may be helpful if you have to go to court. 

You have a limited amount of time to act if the debt collector broke the law. If you think a debt collector broke the law, talk to a lawyer right away. You can apply for free legal help from Montana Legal Services Association. 


What must a debt collector do?

Within five days after you are first contacted, the debt collector must send you a written notice. This notice must tell you:

  • The amount of money you owe
  • The name of the original creditor 
  • And, what to do if you believe you don't owe the debt or the full amount they are trying to collect.


What should I do when a debt collector contacts me?

When you are working with a debt collector it is a good idea to:

  1. Send a Debt Validation Letter if the debt collector did not give you all of the information they are required to by law
  2. Send a Debt Dispute Letter
  3. Get everything in writing
  4. Take notes for yourself.


Debt Validation

Within five days of contacting you, a debt collector must tell you in writing:

  • How much they think you owe
  • The name of the original creditor
  • That you have the right to dispute the debt within 30 days; and,
  • That if you dispute the debt, the creditor will give written verification of the debt. 

If the debt collector does not give you all of this information in writing, you can send them a “Debt Validation Letter.” The Debt Validation Letter says that the debt collector did not give you all of the information they are supposed to, and that may be against federal law. The letter also asks the debt collector to not contact you again unless they send you all information required by federal law. Download our Debt Validation Letter.


Disputing a Debt

You have the right to dispute a debt within 30 days after the debt collector contacts you. If you do not agree with the debt, or even the amount, you can send the debt collector a Debt Dispute Letter. The Debt Dispute Letter asks the debt collector to:

  1. Send the original creditor’s name and address
  2. Send verification of the debt
  3. Send a complete accounting of the original debt
  4. And, notify all Consumer Reporting Agencies to whom the debt collector has reported the debt that you are disputing it. 

If you send a Debt Dispute Letter within 30 days after the debt collector has contacted you, or has validated the debt, they must stop contacting you until they verify the debt. The debt collector can verify the debt by sending you proof of the debt, like a copy of the original bill. 

It is always a good idea to send a debt dispute letter, even if you are fairly sure that you owe the debt. At the very least it will force the debt collector to verify what you owe and will stop the collection process for a short time. The debt collector may not contact you again until they send you proof of the debt. The debt collector may restart collection efforts after they send you proof of the debt. 

Important: Make a copy of any letter you send to a debt collector. Keep your copy in a safe place. Send all letters by certified mail, return receipt requested. Save the certified mail receipt and the green return receipt with your copy of the letter. Do this so that you have proof that you sent the letter and that the debt collector received it. This proof may be important if you have to go to court later.

To dispute a debt, you can download our Debt Dispute Letter.


Get it in writing

You do not have to talk to a debt collector over the phone. Debt collectors prefer to talk to you because it works to their advantage. Written communication works to your advantage because you have a record of everything that they say. Debt collectors are less likely to break the law if they have to put what they say in writing. 

Make sure you keep copies of all letters the debt collector sends to you. The Fair Debt Collection Practice Act (FDPA) includes written letters, and not just phone calls. Keeping copies of letters from a debt collector may be useful later on if you have to go to court. 

It is not always practical to work with a debt collector only by writing. If you do need to talk over the phone, keep a journal with you to record every time you talk with a debt collector. For each phone call, write down:

  • Date and time of the call
  • If the debt collector called you
  • Name of the debt collection company
  • Name and/or employee number of the person you talked with
  • Account number of the debt you talked about
  • Any promises that the debt collector made
  • Any threats the debt collector made
  • Any of the other things we talked about earlier that are illegal for a debt collector to do. 

If you agree to anything during a phone call, it is a good idea to ask for a copy of that agreement in writing. Keep that agreement safe.

If the debt collector will not send you the agreement in writing, you can write them a letter to confirm the agreement. Include the date and time you talked, who you talked to, and the terms of the agreement. Send this letter with your first payment to confirm the plan you agreed to. Keep a copy for yourself. Keep your copy safe. 


Take notes:

When working with a debt collector, it is a good idea to keep notes of every phone call to help protect your rights. You can download our “Debt Collector Phone Call Checklist” at the bottom of this article to help you take notes. 


What are my options for dealing with a debt collector?

Remember, it is illegal for a debt collector to threaten you with jail time, or any of the other things listed above that debt collectors cannot do. You have the right to decide how to work with a debt collector and what debts you pay off first. When working with a debt collector you have the right to:

  • Ask for validation of the debt
  • Dispute the debt
  • Keep track of any time you think the collector breaks the law
  • Sue the debt collector for breaking the law
  • Send a cease contact letter
  • Work out a payment plan
  • Consider filing for bankruptcy. 

It is always a good idea to ask for proof that you owe the debt and keep track of any times you think the debt collector breaks the law. The other options depend on your own circumstances.


Can I negotiate with debt collectors?

Yes. You have the right to negotiate with debt collectors. But, it is a good idea to talk to a lawyer before you negotiate. There are laws that say that after so many years, a debt collector cannot sue someone to collect on that debt. These laws are known as the “statute of limitations.” You can restart the statute of limitations by simply making a payment on an old debt. The statute of limitations laws are complicated, so it is a good idea talk to a lawyer before making a payment on older debts. You may be able to get free legal advice on your debts from Montana Legal Services Association or Ask Karla. 

Be aware: It is the debt collector’s right to sue you for failure to pay the full amount that they claim you owe. If you are not able to come up with a payment plan, then the debt collector may take you to court. The judge may then order you to pay the full amount, plus the costs of the lawsuit and possibly attorney fees. 


Can I stop a debt collector from contacting me?

Yes. You can stop a debt collector from contacting you by sending them a “Cease Contact” letter. After getting the letter, the debt collector cannot contact you again, except to say that they won’t contact you again or that they will take other action like filing a lawsuit against you. 

It is illegal for a debt collector to keep contacting you after getting your cease contact letter. Like any other letters you send, make a copy and save it in a safe place. Send the letter by certified mail, return receipt requested. Save the certified mail receipt and the green return receipt with your copy of the letter.

Be aware: A cease contact letter does not make the debt go away. It only forces the debt collector to stop contacting you. The debt collector can still take you to court to try to collect your debt. If a debt collector wins a lawsuit against you, they may be able to collect the debt by garnishing your wages or taking money from any bank account with your name on it. 

Usually, it’s a good idea to send a cease contact letter if you:

  • Are going to file bankruptcy 
  • Or, are collection proof. 

If you have questions about bankruptcy or if you think you might be collection proof, talk to a lawyer. 

If you’d like a debt collector to stop contacting you, download our Cease Contact Letter. 


What happens if a debt collector sues me?

You have the right to file a written response to a debt collection lawsuit filed against you. That response is called an Answer. If you do not file a written answer with the court within a specific number of days after you were served with the court papers, the debt collector may get everything that they ask from you. This is called a default judgment. 

In your written response you must deny or admit each of the statements the debt collector or their attorney makes in the complaint. For example, if you do not owe the debt, you can deny that in your answer. You can also bring up a counterclaim if the debt collector broke the law. For example, if the debt collector violated the Fair Debt Collection Practice Act by threatening or harassing you. 

If you are sued by a debt collector it’s a good idea to talk to a lawyer right away. To learn more, read our article on How to Answer if You Get Sued. 


What happens if a debt collector wins a lawsuit against me?

When a debt collector sues you and wins the court will award the collector a judgment. Even if a debt collector gets a court judgment against you, it does not always mean you will be forced to pay the debt. The judgment gives the debt collector the right to take some of your wages and/or property. However, if you don't own much and don't earn much, the debt collector may not be able to get anything from you. There are federal and state laws that prevent debt collectors from taking a certain amount of your income and certain types of your property. If all of your income and property are protected by these laws, you are called “collection proof” or "judgment proof." 

If you are collection proof, a debt collector is not allowed to collect the money you owe unless your financial situation changes. It is a good idea to check with a lawyer to make sure that you are collection proof. If you are collection proof and a debt collector takes money from you, you only have 10 business days to file paperwork with the court to ask to get it back. Learn more by reading our article on How to Get Money Back from Debt Collectors. 

If you are not collection proof, the debt collector can collect on the judgment by garnishing your wages and/or taking money from your bank account. There are laws that say how much money someone can take from your wages or account. If someone takes too much, you have only 10 business days to file a notice with the court to get it back. If you think someone may have taken too much from your paycheck or bank account, learn more by reading our article on What Debt Collectors Cannot Take. 



Know your rights and understand your options when dealing with a debt collector . Download forms you can use to protect your rights.

Collection Letter Templates – 6 Sample of Different Tones

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Forms to help your Business

Products and solutions

Action Forms (to lodge debts)
The quickest and easiest way to send debts to us for collection is by using our Online Action Form.
However, if you wish to submit debts using fax, post, or email, you can download our Action Form.
You only need to complete an Action Form once. Thereafter, just send us a copy of the invoice and quote your client number.
For Prushka Partners
Register as a member of a Prushka partner organization once and receive an ongoing 10% discount on Prushka's commission and products . Online Action Form.download.
Product Order Form
Online Order Online Product Order Form. download
If you wish to order using fax, post or email, you can download our Product Order Form. Alternatively, call our Client Services Team on freecall 1800 641 617.


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Finance & Accounting Information

Understanding your tax invoice and our accounting and statement process
Receiving your money via EFT
If you would like us to electronically send you the net amount of monies collected on your behalf, please download, complete and return this Electronic Statement Application form.
If you would like us to send you the full amount collected on your behalf, then debit your account with the total charge detailed in the statement, please download, complete and return this Credit-Debit Statement Application form.
* Please note that eligibility criteria apply for this option.




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7+ Debt Letter Templates

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Living with a debt over your head can be very trying. When it comes to owing someone or an institution money, this is further complicated by either of two reasons: You don’t believe you actually owe them money. Or the debt is real but you are unable to pay them the amount. In either of this cases, you will need a letter template specifically addressing the issue.

Here we have a collection of debt letters for situations when you are unable or unwilling to pay the amount. There is everything from debt validation to debt agreement and debt disputes. If you have an issue with your debt collector, these free templates will show you how to broach the subject wisely and professionally.

Debt Validation Letter Template

Debt Settlement Offer Letter Template

Debt Dispute Letter Template

Debt Collection Letter Template

What Are the Kinds of Debt Letters?

A debt letter is a Legal Letter, which means it deals with a legal-financial issue. These will most definitely be recorded in the respective offices, so you want to come across as reasonable, trustworthy, honest, and sane. These are the kinds of letters you may have to draft in response to an Overdue Invoice Letter you have received that is causing you trouble.

Based on your situation, there are different kinds of debt letters to help you out:

Debt Letters Asking for Verification

These kinds of letters request verification of the legitimacy of the debt. You address this to the debt collector and ask whether they are certain the debt is under your name or whether this is the correct amount you owe. This is an important step that many people might shirk from, either because they’re scared to raise a ruckus or they’re clueless on how to query the debt.

  • Don’t be bullied out of your money. Use the Debt Verification Letter Template below to ask the debt collector for proof of your indenture.
  • Also see Debt Settlement Offer Letter Template above or any of the dispute and validation letters on the list.

Debt Letters Asking for Consideration

This letter agrees to the debt collector’s demand. In this letter, you confirm the amount and the legitimacy of the debt, but you also express regret at not being able to pay the full amount due at the current time due to some prohibiting factor. You would then have to present a solution from your end on how you intend to fulfill the obligation.

  • See Debt Agreement Payment Letter Template below for a good example. It provides the solution of making payments in installments.

Debt Letters Asking for Payment

This one is specifically for the debt collector. This letter allows you to follow up on an overdue bill with your client in a professional way. Note that you must include a formal invitation to dispute the debt legitimacy or amount in a courteous manner, so that no further complications can arise.

  • See Debt Collection Letter Template above.

Debt Verification Letter Template

Sample Debt Letter Template

Debt Agency Letter Template

Debt payment Agreement Letter Template

How to Use These Letters

As templates, you can use them to draft your own letters depending on your situation, whether you require a Demand Letter or a verification letter. They are available to download as PDF files and editable Word documents for your convenience.

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Contents. What should I do when a debt collector contacts me? FREE, Not for Sale: The information and forms available on this website are free. They are not.

Free Commercial Debt Recovery and Debt Collection

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Download our Debt Collection Letters for FREE!

Simply subscribe to our mailing list for some great tips regarding debt collection and credit management, in addition to our seminar and training updates and we'll send you a link to download our Letter of Demand templates for free!

Our letter of demand templates have been designed for use in your business's day to day debt collection activities.

This package contains three letter templates in Microsoft Word format:

  • Letter of Demand 1: An initial 'assertive but not aggressive' letter of demand, designed to alert your debtors that they have breached your trading terms, but ensuring not to alienate your customer.
  • Letter of Demand 2: A more authoritative second demand letter which can be used as a follow-up to Letter 1, or on its own if negotiations with your debtor have proceeded poorly to this point. This letter requests immediate payment and warns that legal action may ensue if your demands are not met.
  • Final Demand Letter: The challenging final demand letter takes all legal aspects of issuing such a notice into account and indicates to your debtor that this is their final chance to avoid legal action should you pursue that option. It outlines the penalties that will be accrued by your debtor should they fail to pay and have a judgement awarded against them in court.

For best effect, we recommend using these letters in sequence, or begin with the second letter if the situation warrants it.

We find that inexperienced debt collectors invariably choose to send the Final Demand notice as their only demand letter, expecting it to cut to the chase and get the best results. Experience shows, however, that an initial letter with a short payment window can often result in money in your account sooner and prevent alienating your customer.

For absolute best results, your letters should be sent by an established Debt Collection Agency. We find that debtors are more likely to pay if a professional agency has been engaged. We therefore recommend using our cost effective online debt collection service, Collect It Online.

Our free debt collection letter template to help you collect overdue amounts from your customers and get advice on how you can recover debts. 7 day letter.

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Written by Taushura
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