Debt-n-Credit Letters.com



You are making your "final payment" to a debt collection agency and need a record of your actions.

When you come to the last payment on debts, it's a good idea to send collectors a letter informing them of your final payment. This provides a written record of your actions and can help prove your case down the road should the matter come up again. Use the free sample letter below to draft your own personal "paid in full" letter.

Feel free to copy and paste the letter below into your word processor or, fill the Paid In Full Letter form and I'll send you a free copy. I send letters within minutes of receiving requests for them.

Common reasons why you may not receive the letter:

  1. You're Spam filters ate it;
  2. You're Email address is wrong;
  3. You're Inbox is full or reached it's size limit;
  4. You're Server is slow or down for maintenance

Most people receive my letters within minutes of their request however, some email servers can be slow at times, especially during peak hours so it may take just a few minutes or as long as several hours before the document arrives in your E-mail in-box.

Paid In Full Letter
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First Name

Last Name

Free Sample Paid in Full Letter Informing Collectors of Your Final Payment

Today's Date

Your Name
Home Address
Phone Number

Attention: {name of collector}
Name of Debt Collection
Agency Address

Account Number: {account or reference number}

Dear Mr. /Ms. {Collector's Name or Collection Agency's name}

You'll find my final payment on the above referenced account enclosed. I request written confirmation showing this account as {paid in full or settled} according to our agreement on {insert date of agreement}. However, should you choose not you provide me with confirmation, I will use your acceptance of this final payment as proof that you agree the account is {paid in full or settled}.

Now that this debt is paid, I do not expect to hear from you except to confirm the account is paid. I will consider any other contact from you or you company as harassment and will immediately report your actions to my State Attorney General and to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Finally, I expect you to remove this account and all references to my personal information from your records.

Signature just above printed name
Your Printed Name

Send your paid in full letter via "return receipt requested" and keep a copy for your records.

If you've fallen behind on your bills, especially credit cards, don't panic. You may have several good options available to you. Your success starts by assessing your current situation and finding a trusted service provider that is licensed in your state.
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