Collection Letter Samples

How to write a collection letter? Free sample collection letters may help debt collectors draft a suitable collection letter, in conformity with the FDCPA. Read more on collection letter samples.

Consumers, who repeatedly default on payments, may be contacted by a debt collection agency requesting the former to make good the financial obligation to discharge debts. The debt collection agency may draft a persuasive letter with the hope of recovering debts that may be written off in the event of the consumer refusing to acknowledge the dues. The debt collection agency should ensure that the collection letter is drafted in accordance with the Fair Debt Collections & Practices Act (FDCPA). Failure to do so may result in grave consequences for the collection agency, since the consumer has the right to sue a collector, in a state or federal court, within one year from the date of receipt of a letter in supposed violation of the law. The following collection letter samples may help clarify the point.

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Collection Letter Samples
The following collection letter examples may prove useful for debt collectors who are unsure about drafting a suitable collection letter.

Name of Company (ABC)
Date:

To
Name of the Debtor
Address of the Debtor

Dear Sir/Madam,

This is in reference to the telephonic conversation that took place on the 10th November '09. As mentioned earlier, your delinquent account has been referred to ABC by XYZ Company. In accordance with the terms and conditions of the Fair Debt Collections & Practices Act (FDCPA), we are dispatching a validation notice stating the exact amount of dues as per the records of XYZ Compnay.

As of 14th November '09, you have been in default of your unsecured credit card payments by more than 6 months. The total amount of unsecured credit card debts is -----------$. If there is any dispute regarding the amount of debt, we request you to contact XYZ Company at the earliest.

Assuming that you are in agreement with the amount of dues, you are requested to pay the amount by first-class mail, debit card or check, within 15 days from the date of receiving the letter. Please bear in mind that we are authorized to levy an interest on the amount of debt within the collection period.

In the event of not receiving the aforementioned payment, we will be forced to take stringent legal action to recover the same.

Sincerely,

Collections Manager

Name of Company (ABC)
Date:

To

Name of the Debtor
Address of the Debtor

Dear Sir/Madam,

Despite our communication on the 10th and the 14th of this month, you have chosen to ignore our plea to discharge your credit card debt by 30th November 2009. If we do not hear from you within the next 5 days, a suit will be filed against you in the small claims court to recover the dues and the amount of prejudgment interest.

Sincerely,

Collections Manager

Recipient Email Address:
	Separate multiple email addresses by ;
Your Name:
Your Email Address: