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This letter is used by individual or companies that are requesting the creditor to set up an alternative payment plan pay down some if not all the debt owed.  The requestor is asking the credit company to accept a payment plan so the debtor can make the payments. The sample letter includes the following language: I would appreciate your co-operation in making this payment plan effective as soon as possible. I request that you accept a monthly payment of $ instead of the regular payments of $ . I shall begin making regular monthly payments as soon as I recover from this financial crisis. I hope you will understand my situation and co-operate with me. I shall notify you of any change in my financial situation

This letter is used by individual or companies that are requesting the creditor to set up an alternative payment plan pay down some if not all the debt owed.  The requestor is asking the credit company to accept a payment plan so the debtor can make the payments. The sample letter includes the following language: I would appreciate your co-operation in making this payment plan effective as soon as possible. I request that you accept a monthly payment of $ instead of the regular payments of $ . I shall begin making regular monthly payments as soon as I recover from this financial crisis. I hope you will understand my situation and co-operate with me. I shall notify you of any change in my financial situation.

This letter is follow up for debt validation, stated in the Fair Debt Collection Practices Act, collection agencies if asked must provide validation for the claims you owe.

This letter is follow up for debt validation, stated in the Fair Debt Collection Practices Act, collection agencies if asked must provide validation for the claims you owe.