Creditor Dispute and Debt Resolution Templates
Download and print the creditor dispute or debt resolution template you need.
Use one of our downloadable credit dispute or debt resolution templates to make a settlement offer, counteroffer, or use our cease-and-desist template to put an end to the harassing phone calls.
Debt Resolution Templates
Debt Resolution Offer Letter
Use this letter to start the negotiation process with a creditor. In addition to starting the negotiation process, this letter also guides you to request any negative credit impact be removed from your credit report upon resolution of the account.
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Debt Resolution Counteroffer Letter
After submitting your initial debt resolution offer letter to your original creditor, they may send you back a counteroffer. In such cases, you can make a counteroffer back to the creditor by using this Debt Resolution Counteroffer Letter.
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Debt Validation Letter
Use our Debt Validation Letter Template to request validation of a debt a creditor is saying you owe. They are legally obligated under the Fair Debt Collection Practices Act (FDCPA) to provide contractual proof that you are responsible to pay the debt.
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Debt Validation Letter with Cease-and-Desist Included
Use our debt validation letter with cease-and-desist included to request validation of a debt as well as help with harassing phone calls. They are legally obligated under the Fair Debt Collection Practices Act (FDCPA) to provide contractual proof that you are responsible to pay the debt.
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Credit Dispute Templates
Cease-and-Desist Letter
Are you being hounded by creditors or collection agencies? Are they calling you late at night, at work, or even reaching out to your family members? If so, use this cease-and-desist letter to help reduce harassing phone calls.
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609 Dispute Letter
Have you noticed invalid items on your credit report? Use this 609 Dispute Letter to challenge the validity of a record or records on your credit report. If validity cannot be provided, this letter will ask them to remove the negative data.
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611 Dispute Letter
Use this 611 Dispute Letter Template to challenge and dispute the findings on a previous 609 request. The 611 Dispute Letter will request that they provide documentation as to how they arrived at their conclusion during the 609 investigation.
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623 Credit Report Dispute Letter
If the 609 and 611 dispute requests fail because of limitations of investigation software used by credit reporting agencies, use this letter to ask for an investigation from the creditor(s) reporting the information to the credit reporting agencies.
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Inquiry Removal Letter
Do you have inquires on your credit report that shouldn’t be there? Is this causing an adverse effect to your credit score and hurting your ability to obtain credit? Use this inquiry removal letter to dispute and remove inquires that are invalid.
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