Letter Templates
Professionally-drafted letters that cite specific federal and Texas laws.
The most important letter. Demand proof that the collector owns your debt and has the right to collect it.
When to use:
- When first contacted by a collector
- Within 30 days of initial contact
- When you don't recognize the debt
- When the amount seems wrong
Stop all communication from a debt collector. They can only contact you about legal action after receiving this.
When to use:
- Harassment by repeated calls
- Collector won't stop contacting you
- You've decided not to pay
- Debt is time-barred
Notify a collector that the statute of limitations has expired. They cannot sue you on time-barred debt.
When to use:
- SOL has expired (4+ years in Texas)
- Collector is threatening to sue
- Collector hasn't disclosed time-barred status
Dispute inaccurate debt information on your credit report directly with the credit bureaus.
When to use:
- Wrong amount reported
- Debt isn't yours
- Account should be removed
- Status is incorrect
Ready to Send Your Letter?
Create an account to generate personalized letters and send via certified mail.
LEGAL DISCLAIMER:
This service provides legal information under Texas Government Code §81.101(c), which permits providing legal information without practicing law. This service is not a substitute for the advice of an attorney. We are not a law firm and do not practice law. No attorney-client relationship is created by using this service. You are responsible for reviewing all information and documents for accuracy. For legal advice tailored to your specific situation, consult with a licensed Texas attorney.