Debt Collection Blog

Debt Documents and Templates

When to Send a Judgment Proof Letter

Send a judgment proof letter when you have no garnishable income or seizable assets. It tells collectors that pursuing you in court won't recover anything.

Debt Documents and Templates

How to Write a Hardship Letter

Write a hardship letter by stating the cause (job loss, illness), your current situation, and a specific request: payment plan, modification, or settlement.

Debt Documents and Templates

Debt Validation Letter Template

Send a debt validation letter within 30 days of a collector's first contact. They must prove the debt is valid before they continue contacting you about it.

Debt Documents and Templates

Sample credit report dispute letter

Found an error on your credit report? Send a short, factual dispute letter by certified mail to the credit bureau—TransUnion, Equifax, or Experian.

Debt Documents and Templates

How to send Santander a settlement letter

Send Santander a settlement letter by writing to their resolution department, offering 40-60% as a lump sum, and getting the agreement in writing first.

Debt Documents and Templates

How to Make a Motion to Dismiss

File a Motion to Dismiss when the lawsuit lacks legal grounds: improper service, expired statute of limitations, lack of standing, or failure to state a claim.

Debt Documents and Templates

How to Make a 609 Letter That Really Works

A 609 letter requests credit info under FCRA Section 609; it can remove inaccurate items if the bureau can't verify them within 30 days under Section 611.

Debt Documents and Templates

Do 609 Letters Really Work?

Yes, 609 letters work. If a credit bureau can't verify disputed info within 30 days under FCRA Section 611, they must remove it from your report.

Debt Documents and Templates

How to Make a Motion to Lift Stay

Make a Motion to Lift Stay in bankruptcy by filing it with the bankruptcy court, citing valid grounds like lack of equity or non-dischargeable debt.