Debt collector response sample letter
The CFPB provides this sample letter to help you deal with collection agents.
You’re saying: “Only contact my lawyer.”
Use the sample letter on the next page if you want to instruct a debt collector to only contact your lawyer.
How to use this sample letter:
1. Read the background below.
2. Fill in your information on the sample letter and edit it as needed to fit your situation.
3. Print the letter and mail it. Keep a copy for your records. You should consider sending the letter by certified mail or another method by which you can establish when the letter is received by the intended recipient.
If a lawyer is representing you about the debt, then the debt collector should generally contact the lawyer instead of you. Use this template letter to tell the debt collector to contact your lawyer.
After you have given the debt collector your lawyer’s contact information, the debt collector should not contact you directly unless the lawyer doesn’t respond.
Sample letter begins below:
[Debt collector name] [Debt collector Address]
Dear [name of debt collector]:
I am responding to your contact about collecting a debt. You contacted me by [phone/mail], on [date] and identified the debt as [any information they gave you about the debt].
Please contact my lawyer about this debt, and do not contact me directly again. My lawyer’s contact information is:
[Contact information for your lawyer].
Thank you for your cooperation.
(As always, include a copy of whatever you’ve received in the mail: letter, documents, invoices, etc.)
Simple techniques to get debt collection agencies off your back, and tips to protect yourself and your family from overzealous bill collectors. Gain peace of mind by learning your rights. Complete with U.S. debt collection laws and helpful links to websites offering free information to help you fight back when you are confronted with harassment from debt collectors.
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