Debt Collection Letters

This form will help you create the letters from the legal aid article, Debt Collection: Know Your Rights. If you haven’t read this article yet, you may want read it so you are familiar with your rights and you know which letter(s) to send.

Letter A: A creditor or collection agency is bothering you, but you don’t owe the debt. Either the bill is wrong or you already paid it.
Letter B: You want to tell a debt collector to stop contacting you.
Letter C: You want to file a complaint with the State of Connecticut Department of Banking and the federal Consumer Financial Protection Bureau because you think a debt collector broke the law.
Letter D: You want to tell a debt collector to stop contacting you because your income is protected (or exempt).

Are debt collectors bothering you?

This form will help you create one or more letters to send to a creditor or debt collector.

Which letter(s) would you like to create?(Required)

Letter A: A creditor or collection agency is bothering me, but I don’t owe the debt. I think the bill is wrong or I already paid it.

Letter B: I want to tell a debt collector to stop calling, writing, or visiting me. I owe the debt, but want contact to stop.

Letter C: I want to file a complaint about a debt collector who I think broke the law.

Letter D: I want to tell a debt collector my income is protected (or exempt) and ask them to stop contacting me.

Your information

Your privacy is very important. We will never use, share, or sell your personal information. After you complete this form, you will have 10 minutes to save your letters. After 10 minutes, your personal information (name, address, account number, phone number, and email address) will be permanently deleted from our system and you will need to fill out this form again to create any more letters. Read our Privacy Policy for more info.

Your name(Required)

First Last

Your address(Required)

Street Address Address Line 2 City State ZIP code

Phone

Include your phone number if you are filing a complaint about a debt collector and you want to include this information in your letter.

Include your email address if you are filing a complaint about a debt collector and you want to include this information in your letter.

Letter mailing date(Required)

Name of creditor or collection agency

Your account number

Address of creditor or collection agency(Required)

Street Address Address Line 2 City State ZIP code

Finish this sentence: I have received your bill regarding an overdue amount for(Required)

Pick one:(Required)

I have paid this bill in full.

I have paid part of this bill, but I still owe a balance.

I have not paid this bill.

Finish this sentence: I have paid part of this bill and I owe(Required)

Finish this sentence: I have not paid this bill because(Required)

Write in what the debt collector did to break the law.(Required)

Letter D

[Your address]

[Today’s date]

[Name of creditor or collection agency]

[Address of creditor or collection agency]

Re: Exempt Income – Account Number: [Account number]

To Whom it May Concern:

This letter is to notify you that I do not wish you to call, write, or visit me at home or work about the money you claim I owe. This letter is also to advise you that all of my income is exempt from collection as established by law.

Sincerely,

[Your signature, date, and printed name]

Letter C:

[Your address and today’s date]

[Name and address of the agency you’re writing to]

Re: Collection Practices of: [Name and address of debt collector]

To Whom it May Concern:

I would like to file a formal complaint against [name of debt collection company] for actions taken while trying to collect a debt from me. My complaint is as follows: [Write what the debt collection company did to break the law.]

Please investigate this matter and have these practices stopped. You can contact me at [your phone number and/or email address].

Sincerely,

[Your printed name, signature, address, and the date]

Letter B

[Your address]

[Today’s date]

[Name and address of creditor or collection agency]

Re: Contact Request – Account Number: [account number]

To Whom it May Concern:

This letter is to notify you that I do not wish for you to call, write, or visit me at home or work about the money you claim I owe.

Sincerely,

[Your signature, date, and printed name]

Letter A

[Your address]

[Today’s date]

[Name and address of creditor or collection agency]

Re: Billing Error Notice – Account Number: [account number]

To Whom it May Concern:

I have received your bill regarding an overdue amount for [the item(s) you were billed for].

[Pick one or more of the following:]

I have paid this bill in full.
I have paid part of this bill and I owe [amount].
I have not paid this bill because [reason].

Please check your records and correct my account. Also, please do not send me any more bills or call me until this matter is settled.

Sincerely,

[Your signature, date, and printed name]

This page is for people who are having trouble paying bills. If you’re having another legal problem, you can visit ctlawhelp.org for free legal information. Or close this window to keep learning about bankruptcy.

Helping Connecticut residents with low income solve their legal problems

Debt Collection Letters

Are debt collectors bothering you?

Your information

Self-Help Library