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Your creditors have agreed over the phone to you making lower payments based on your current financial hardship. Follow up your conversation with a letter outlining the terms of the agreement. After negotiating a reduced payment plan with your creditors, … Continue reading →

You purchased or leased a product or service on credit but are not satisfied! Sending a complaint letter that clearly explains your problem with a product or service is a powerful method for resolving complaints. Continue reading →

Use this FREE letter to make a settlement offer when you wish to pay less than the debt collector is demanding! Continue reading →

You discover an error on your monthly credit card bill and need to dispute the error with your credit card company. The Fair Credit Billing Act (FCBA) outlines your specific rights and your credit card company’s specific responsibilities when you … Continue reading →

You have one or more inactive credit accounts with a zero balance that are hurting your credit score!

Open but inactive credit accounts with a zero balance can hurt your credit score. Consider closing inactive accounts with a letter addressed to the creditor requesting the account be closed and the correct status, “closed by consumer” reported to the credit reporting agencies Continue reading →

Your financial situation has worsened leaving you no choice but to reduce the amount you can offer your creditors each month. When circumstances such as a loss of job, divorce, separation even the death of a loved one cause us … Continue reading →