www.nolo.com © nolo F-14 Attn: Customer Service Date: Name(s) on account: Account number: To Whom It May Concern: Regarding the above-referenced account, I dispute the amount you claim that I owe you for the following reason(s): I believe that I owe you no more than $ . It is obvious that there is a good faith dispute over the amount of this bill. To satisfy this debt, I will send you a check for $ with a restrictive endorsement; if you cash that check, it will constitute an accord and satisfaction. In other words, you will receive from me a check that states “cashing this check constitutes payment in full.” If you cash that check, it will take care of what I owe you. Sincerely, [your signature] Name: Address: Home phone: www.nolo.com © nolo F-15 Attn: Customer Service Date: Name(s) on account: Account number: To Whom It May Concern: Between 15 days and 90 days have passed since I sent you a letter dated , 20 stating my intention to send you a check with a restrictive endorsement. Enclosed is a check for $ to cover the balance of my account. This check is tendered in accordance with my earlier letter. If you cash this check, you agree that my debt is satisfied in full. Sincerely, [your signature] Name: Address: Home phone: Enclosed: Check stating on front: “This check is tendered in accordance with my letter of , 20 . Cashing this check constitutes payment in full.” www.nolo.com © nolo F-16 Attn: Collections Department Date: Name(s) on account: Account number: To Whom It May Concern: This letter is to advise you that I am not able to make payments on my account due to the following conditions: I cannot work sufficient hours to meet my current expenses. My only sources of income are: I am familiar with the law and know that I am “judgment proof.” If I file for bankruptcy, I will claim all my property as exempt, and if you sue me and obtain a judgment, you could not collect any of my property to satisfy the judgment. Please cease all collection activities you have taken or are considering taking. While I will provide you with reasonable financial or medical information, I must avoid stress. This includes high-pressure collection activity and lawsuits. If my current situation improves and I am able to resume payments, I will notify you at once. Thank you for your understanding and help. Sincerely, [your signature] Name: Address: Home phone: www.nolo.com © nolo F-17 Attn: Collections Department Date: Name(s) on account: Account number: To Whom It May Concern: Please cease all collection activities you have taken or are considering taking against me. I am planning to file a petition in bankruptcy court in the coming months. Sincerely, [your signature] Name: Address: Home phone: www.nolo.com © nolo F-18 Date: Name(s) on account: Account number: Creditor: To : I have been contacted several times by you regarding my past due account with the credit grantor referenced above. I do not, however, wish to discuss this matter with you. I would like to talk directly with the creditor’s collections department. Please contact the collections department of the credit grantor and indicate my desire to be in touch with them. Thank you for your help. Sincerely, [your signature] Name: Address: Home phone: cc: Credit grantor, . complimentary credit report. Enclosed is a copy of a document identifying me by my name and address. I have not been denied credit within the preceding 60 days. Enclosed is a copy of a document identifying. signature] Name: Address: Home phone: cc: Credit grantor, www.nolo.com © nolo F- 19 Date: To : I am writing to dispute the following bill you are attempting to collect. Name(s) on account: Account number: Creditor: Amount. phone: www.nolo.com © nolo F-18 Date: Name(s) on account: Account number: Creditor: To : I have been contacted several times by you regarding my past due account with the credit grantor referenced above. I do not, however,