Letter builder
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Withdraws a company's permission to take payments from your bank account, and asks for written confirmation.
Also called: ACH revocation
Withdraws a company's permission to charge your debit card going forward.
Also called: Debit card revocation
Withdraws permission for bank withdrawals and debit card charges at the same time.
Also called: Combined ACH and debit revocation
Proposes a payment schedule in writing, or asks what plans are available.
Also called: Repayment plan proposal
Explains a temporary hardship and asks what options exist, without oversharing.
Also called: Hardship letter
Asks a company to confirm in writing something they told you by phone or chat.
Also called: Written confirmation request
Tells a company to stop contacting your employer or references about your account.
Also called: Reference contact restriction
Disputes a specific charge with the amount, the date, and the outcome you want.
Also called: Billing dispute letter
Cancels a subscription or membership, stops future billing, and asks for confirmation.
Also called: Cancellation notice
Requests a refund with the amount, the date, and the reason.
Also called: Refund letter
Asks for a repair, a replacement, or a refund under a warranty.
Also called: Warranty claim letter
Documents a repair problem and asks for a repair plan in writing.
Also called: Repair request letter
Asks for your deposit back, or an itemized list of any deductions.
Also called: Security deposit demand
Asks a debt collector for the account details in writing so you can review them.
Also called: Debt information request
Disputes a bank transaction and asks the bank to investigate it.
Also called: Bank dispute letter
Asks an employer for a document, a record, or a correction in writing.
Also called: Employment records request
Requires a collector to verify a debt before collecting: the itemized amount, the original creditor, and their right to collect. Strongest within 30 days of their first notice.
Also called: Debt validation letter
Tells a collector to stop contacting you entirely, or to contact you only by mail. Federal law requires them to comply.
Also called: Cease and desist letter
Disputes an inaccurate item with a credit bureau and requires an investigation, usually completed within 30 days.
Also called: FCRA dispute letter
Nudges a company about a request you already sent, and asks for a status, a case number, and a decision date in writing.
Also called: Second notice
Asks for a supervisor or complaints-team review and a final written answer, after regular support went nowhere.
Also called: Supervisor review request
Offers a specific amount as full settlement, with the protective rule built in: no payment until a signed written agreement arrives.
Also called: Settlement letter
Asks for a paid-in-full or zero-balance letter and confirmation that the credit bureaus were updated.
Also called: Zero balance letter
Requires a credit bureau to block accounts opened by an identity thief, using your FTC identity theft report. The law gives them 4 business days.
Also called: 605B block letter
Politely asks the original lender to remove a late-payment mark as a goodwill gesture, based on your history with them.
Also called: Goodwill letter
Formal written notice with your move-out date, a deposit-return request, and a move-out inspection ask.
Also called: 30-day notice
Asks your bank or credit union to reverse a specific fee as a courtesy, with the amount and date attached.
Also called: Fee reversal request
Requests an itemized bill with billing codes, a hold on collections while it is reviewed, and financial assistance information.
Also called: Itemized bill request
Asks a company to delete the personal information tied to your account or email, and to confirm in writing when it is done.
Also called: Privacy deletion request
Revokes the voluntary wage assignment clause in a loan, so the lender cannot ask your employer to deduct your pay. A court-ordered garnishment is different and is not undone by a letter.
Also called: Wage assignment revocation
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