Use these free letters to stop collection calls when you just don't have the money to pay your debts or when the debt is not yours.

Perhaps you've experienced some financial difficulty and cannot pay your debts, or maybe you now have a steady income and wish to resume making payments or settle a debt. Perhaps you already paid off a debt but now a new collector is calling demanding money for the same account. Whatever your situation, the best method for dealing with debt and credit issues is to put all correspondence in writing.

Use the free sample debt dispute letters above to draft your own letters for disputing debts that you do not believe are valid, to stop collection calls; to make payment or settlement offers; to inform collectors that you already paid a debt; inform collectors that you are judgment proof or that the statute of limitations (legal time limit to enforce a debt) has expired.