Skip to main content

Free Letter Templates

Download free, ready-to-use legal letters to protect your rights against debt collectors and report violations.

Debt Validation Letter

Request that a debt collector prove you actually owe the debt. They must stop collection until they provide validation.

Best used: When a collector first contacts you or when you dispute the debt

View & Download

Cease Communication Letter

Demand that a debt collector stop contacting you. After receiving this, they can only contact you to confirm they'll stop or notify you of legal action.

Best used: When you want the calls and letters to stop

View & Download

Credit Bureau Dispute Letter

Dispute errors directly with Equifax, Experian, or TransUnion. They must investigate within 30 days under the FCRA.

Best used: When you find errors on your credit report

View & Download

Furnisher Dispute Letter

Dispute errors directly with the company reporting the information (bank, creditor, collection agency) under FCRA § 1681s-2.

Best used: When you want to dispute directly with the source of the error

View & Download

CFPB Complaint Template

File a complaint with the Consumer Financial Protection Bureau. The CFPB will forward your complaint to the company and work to get a response.

Best used: When a collector or credit bureau violates your rights

View & Download

FTC Complaint Template

Report TCPA violations (robocalls, spam texts) to the Federal Trade Commission.

Best used: When you receive illegal robocalls or automated texts

View & Download

How to Use These Templates

1

Download the Template

Choose the appropriate letter for your situation and download it.

2

Fill in Your Information

Replace the bracketed placeholders with your personal information and details.

3

Send via Certified Mail

Always send letters via certified mail with return receipt for proof of delivery.

Important Tips

  • Keep copies of all letters you send
  • Use certified mail with return receipt requested to prove delivery
  • Note the date you sent each letter and when it was received
  • Send within 30 days of first contact for debt validation requests

Think Your Rights Were Violated?

Letters help document violations, but you may be entitled to compensation. Check if you have a case.

Check My Rights Now