{"id":13502,"date":"2020-09-04T18:24:39","date_gmt":"2020-09-04T18:24:39","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=13502"},"modified":"2025-01-27T14:49:31","modified_gmt":"2025-01-27T22:49:31","slug":"debt-relief-collections-letters","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/debt-help\/dealing-with-creditors\/debt-relief-collections-letters","title":{"rendered":"Sample Letters to Deal with Creditors"},"content":{"rendered":"

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Dealing With Creditors<\/p>\n

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Learn how to communicate with your creditors effectively.<\/span><\/p>\n

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Sample Letters to Communicate With Creditors<\/h1>\n

[\/et_pb_text][et_pb_text admin_label=”Paragraph Text” _builder_version=”4.16″ animation_direction=”top” global_colors_info=”{}”]<\/p>\n

When you\u2019re not able to keep up to date with your payments on your unsecured debts, it\u2019s important to provide your creditors with an update about your circumstances.<\/p>\n

Depending on your situation, one of these 3 sample letters may help you communicate effectively with your creditors. As you get ready to use one of these letters, either with a mailed\u00a0letter or by email, it\u2019s important that you know\u00a0how to use the letter properly<\/a>\u00a0and what you need to\u00a0include with your letter<\/a>\u00a0when you send it to your creditors.<\/p>\n

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Legislation Varies by Province When Communicating in Writing<\/h2>\n

The reason for sending your creditors a letter is to advise them about your situation. In some provinces, you can also ask collectors to only communicate with you in writing. It won\u2019t stop them from charging you interest. In many circumstances, however, they will try to find ways to help you.<\/p>\n

By not proceeding with escalated collection activity or legal action, you’re able to focus on improving or resolving your circumstances. This will help you sleep better and not worry about what your creditors may or may not do.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” prev_background_color=”#ffffff” next_background_color=”#e4f8e0″ _builder_version=”4.16″ background_color=”#FFCC00″ custom_padding=”140px||150px||false|false” custom_padding_tablet=”70px||70px||false|false” custom_padding_phone=”50px||40px||false|false” top_divider_style=”ramp2″ top_divider_height=”200px” top_divider_height_tablet=”” top_divider_height_phone=”60px” top_divider_height_last_edited=”on|tablet” bottom_divider_style=”curve2″ bottom_divider_flip=”horizontal|vertical” bottom_divider_height_tablet=”60px” bottom_divider_height_phone=”40px” bottom_divider_height_last_edited=”on|tablet” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.19.5″ _module_preset=”default” link_text_color=”#36b229″ global_colors_info=”{}”]<\/p>\n

Please Note:<\/strong> In some provinces, if you have not made payments on a debt in some time and you contact a creditor in writing, either on your own or with one of the sample letters below, that may constitute “acknowledging the debt” and restart\u00a0the statute of limitation in the same way making a payment does.<\/p>\n

Always use the term “alleged debt” when speaking with collectors or creditors. Sometimes, they may try to get you to verbally acknowledge the debt. This too could restart the statute of limitation.<\/p>\n

The statute of limitation\u00a0that determines how long a creditor has to collect on a debt that’s no longer acknowledged by the debtor\u00a0varies by province<\/a>\u00a0and ranges from 2 to 6 years.<\/p>\n

Credit reporting agencies also report debts on your credit report based on the date of last activity on the debt.\u00a0After 6 years of no activity, a debt is usually no longer reported<\/a>\u00a0by the credit reporting agencies.<\/p>\n

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Sample Letters to Creditors<\/h2>\n

If you’re looking to communicate with your creditors about your debt, it’s a good idea to understand what you can and cannot say. Below are some sample letters used in common situations when communicating with creditors. Read through the warning in the yellow section above as there are some things that if mentioned in writing could trigger acceptance of the debt or extension of the time period they’re allowed to legally pursue you for payment.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ make_equal=”on” admin_label=”Row” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_blurb title=”Reduced Payment” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/reduced-payment_icon_purple.png” alt=”reduced payment icon” image_last_edited=”off|desktop” admin_label=”Icon + Heading + Blurb + Button” _builder_version=”4.16″ header_level=”h3″ header_font=”|600|||||||” header_text_align=”center” header_text_color=”rgba(0,0,0,0.82)” header_font_size=”26px” text_orientation=”center” animation_direction=”top” global_colors_info=”{}” image__hover_enabled=”off|hover”]For when you can only afford to make partial payments.[\/et_pb_blurb][et_pb_button button_url=”\/debt-help\/dealing-with-creditors\/reduced-payment-request-letter” url_new_window=”on” button_text=”Get Letter” button_alignment=”center” 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button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”RGBA(255,255,255,0)” button_bg_enable_color__hover=”on”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”||||false|false” custom_padding_tablet=”20px||||false|false” custom_padding_phone=”20px||||false|false” custom_padding_last_edited=”on|tablet” global_colors_info=”{}”][et_pb_blurb title=”Forgiveness of Debt” image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/06\/shopping-list_icon_purple.png” alt=”letter with pen icon” admin_label=”Icon + Heading + Blurb + Button” _builder_version=”4.16″ header_level=”h3″ header_font=”|600|||||||” header_text_align=”center” header_text_color=”rgba(0,0,0,0.82)” header_font_size=”26px” text_orientation=”center” animation_direction=”top” global_colors_info=”{}”]For when you can\u2019t pay now or in the foreseeable future.[\/et_pb_blurb][et_pb_button button_url=”\/debt-help\/dealing-with-creditors\/debt-forgiveness-writeoff-letter” url_new_window=”on” button_text=”Get Letter” button_alignment=”center” _builder_version=”4.19.5″ custom_button=”on” button_text_color=”#ffffff” button_bg_color=”#2ad13d” button_border_width=”2px” button_border_radius=”8px” button_font=”|600|||||||” button_icon=”5||divi||400″ button_icon_color=”#ffffff” global_colors_info=”{}” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2AD13D” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”RGBA(255,255,255,0)” button_bg_enable_color__hover=”on”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”CTA 1 – You’re not alone” _builder_version=”4.19.5″ background_color=”#5b25af” background_enable_image=”off” max_width=”100%” custom_padding=”70px||0px||false|false” custom_padding_tablet=”5px||30px||false|false” custom_padding_phone=”” top_divider_height=”180px” top_divider_flip=”horizontal” top_divider_height_tablet=”100px” top_divider_height_phone=”” top_divider_height_last_edited=”on|phone” bottom_divider_style=”curve2″ bottom_divider_color=”#e7dff3″ bottom_divider_height=”150px” bottom_divider_style_last_edited=”off|tablet” bottom_divider_height_tablet=”80px” bottom_divider_height_phone=”70px” bottom_divider_height_last_edited=”on|phone” scroll_blur=”0|40|60|100|100px|0px|0px” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row custom_padding_last_edited=”on|phone” admin_label=”Service Section Title” _builder_version=”4.16″ custom_margin=”|auto||auto|false|false” custom_padding=”||140px||false|false” custom_padding_tablet=”100px||100px||false|false” custom_padding_phone=”100px||||false|false” animation_direction=”top” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Title” _builder_version=”4.16″ text_font=”|700|||||||” text_text_color=”#ffffff” text_font_size=”30px” text_line_height=”1em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” background_layout=”dark” max_width=”700px” module_alignment=”center” custom_margin=”-15px||||false|false” custom_padding=”||0px|||” animation_direction=”bottom” inline_fonts=”Work Sans” global_colors_info=”{}”]<\/p>\n

Having trouble with your debts?<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”Subtitle” _builder_version=”4.16″ text_font=”||||||||” text_text_color=”#ffffff” text_line_height=”1.8em” header_font=”||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” max_width=”700px” module_alignment=”center” custom_margin=”|||” custom_padding=”0px|||||” animation_direction=”bottom” global_colors_info=”{}”]<\/p>\n

We can help. Give us a call at 1-888-527-8999<\/a> or send us a quick note to call you back and we’ll be in touch to answer any questions you may have about debt. We’ll help you find a solution that works best for you.<\/p>\n

[\/et_pb_text][et_pb_button button_url=”\/contact-us” button_text=”Get Help Now” button_alignment=”center” _builder_version=”4.19.5″ _module_preset=”default” custom_button=”on” button_bg_color=”#2ad13d” button_icon=”5||divi||400″ global_colors_info=”{}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”RGBA(255,255,255,0)” button_bg_enable_color__hover=”on” button_border_radius__hover_enabled=”on|hover” button_border_radius__hover=”8px” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2AD13D”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|desktop” admin_label=”Related Topics” _builder_version=”4.19.5″ background_color=”rgba(91,37,175,0.15)” z_index=”0″ custom_margin=”0px||||false|false” custom_padding=”70px|0px|100px|0px|false|false” custom_padding_tablet=”||0px||false|false” custom_padding_phone=”50px||0px||false|false” top_divider_arrangement=”above_content” da_disable_devices=”off|off|off” collapsed=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”27px|0px|27px|0px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”H2 Heading” _builder_version=”4.16″ text_font=”||||||||” header_font=”Work Sans|600|||||||” header_2_font=”||||||||” header_2_line_height=”1.3em” header_4_font=”Work Sans||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” custom_margin=”||2px|||” locked=”off” global_colors_info=”{}” header_font_size__hover=”30px” header_font_size__hover_enabled=”30px” header_letter_spacing__hover=”0px” header_letter_spacing__hover_enabled=”0px” header_text_shadow_style__hover=”none” header_text_shadow_style__hover_enabled=”none” header_text_shadow_color__hover=”rgba(0,0,0,0.4)” header_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)”]<\/p>\n

Related Topics<\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ make_equal=”on” disabled_on=”on|on|off” admin_label=”Related Article Cards | Desktop” _builder_version=”4.16″ width=”70%” max_width=”100%” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ background_color=”#ffffff” transform_translate_linked__hover=”off” link_option_url=”\/debt-help” border_radii=”on|8px|8px|8px|8px” box_shadow_style=”preset2″ global_colors_info=”{}” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|desktop” transform_translate__hover_enabled=”on|hover” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_translate__hover=”0px|-10px”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/getting-rid-of-debt_related_topic.jpg” alt=”Mature couple looking anxious, sitting around the table and talking to a credit counsellor” title_text=”getting-rid-of-debt” _builder_version=”4.16″ border_radii=”off|8px|8px||” global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”H3 + Teaser Text” _builder_version=”4.16″ header_3_text_align=”left” header_3_text_color=”rgba(0,0,0,0.8)” header_3_line_height=”1.3em” width=”80%” max_width=”80%” module_alignment=”center” custom_margin=”||30px||false|false” global_colors_info=”{}” content__hover_enabled=”off|desktop” header_3_text_color__hover_enabled=”on|hover” header_3_text_color__hover=”#2ad13d”]<\/p>\n

Getting Rid of Debt<\/h3>\n

We’re happy to help you figure out your options. There are more than you might think.<\/p>\n

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Sample Letters<\/h3>\n

Use this checklist and get ready to communicate effectively with your creditors.<\/p>\n

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Credit Counselling<\/h3>\n

Are you curious about what credit counselling is or how it works? Here’s what you need to know.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=”off|off|on” admin_label=”Related Article Swipe Cards | Mobile” _builder_version=”4.16″ custom_padding=”3px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_code admin_label=”Swiper Code for Swipe Cards (Need to upload card images and then enter their URLs in this code)” _builder_version=”4.16″ global_colors_info=”{}”]<\/p>\n