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Personal Finance Letter Templates

Don’t stress about what to say. Use’s free letter templates!

Corresponding with creditors, debt collectors, and the credit bureaus can be stressful. A wrongly worded dispute or collection response can actually hurt your chances of getting a successful outcome. You need to know exactly what to say and how to say it to maximize your chances of success. That’s why has created this library of personal finance letter templates that you can use to easily craft correspondence.

Each of these letter templates can be downloaded as a PDF. Simply copy and paste the letter into your favorite word processing program and replace the field information. Then you should be ready to send a letter that will get the results you want!

Debt Settlement Offer

Use this template to send an initial settlement offer to a debt collector. This will start the debt negotiation process, so you can settle a debt in collections for less than the full amount owed.

Debt Settlement Offer

If you received a settlement offer from a debt collector, this template helps you respond with a counteroffer, so you can get out of debt for a small percentage of what you owe.

Debt Collection Cease & Desist

You have to tell a collector to cease all contact related to specific debts. This template will help you stop collection calls and force the collector to either drop the matter or take it up in court.