{"id":15846,"date":"2020-09-16T16:07:42","date_gmt":"2020-09-16T16:07:42","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=15846"},"modified":"2024-12-05T12:25:25","modified_gmt":"2024-12-05T20:25:25","slug":"creditor-communication-checklist","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/debt-help\/dealing-with-creditors\/creditor-communication-checklist","title":{"rendered":"Sample Debt Letters & Creditor Communication Checklist"},"content":{"rendered":"

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Creditor Communication Checklist<\/span><\/p>\n

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If you’re looking to communicate with your creditors about your debt it is a good idea to understand what you can and cannot say.<\/p>\n

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Creditor Communication Checklist & Sample Debt Letters<\/h1>\n

To help things proceed as smoothly as possible, if\u00a0you send a letter to your creditors making a special request, it would be a good idea to follow this checklist:\u00a0<\/p>\n

    \n
  1. Make a list of all of your current sources of income.<\/li>\n
  2. List all of your weekly and monthly expenses \u2013 include all of your spending. Don\u2019t forget to include a monthly estimate of your necessary seasonal expenses.<\/li>\n
  3. Consider your assets \u2013 what may be at risk if you are not able to pay.<\/li>\n
  4. Find out if any of your debts are co-signed, joint or guaranteed. If you are not able to pay, the other person(s) may have to.<\/li>\n
  5. Gather your supporting information. Prepare a brief summary of your expenses.<\/li>\n
  6. Write a letter to your creditors to briefly outline your situation. See further note below.<\/li>\n
  7. Fax or mail your letter and supporting information to your creditors. Keep proof that they received it.<\/li>\n
  8. Follow through with all commitments you outlined to your creditors in a timely manner. Make a note on your calendar if you need to send a payment or when you need to provide an update as to your situation.<\/li>\n<\/ol>\n

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    Caution:<\/h3>\n

    The sample letters below may not be appropriate for all types of situations.<\/strong><\/p>\n

    Please read this note before using these sample letters.<\/a><\/strong><\/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 is 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 warnings as there are some things if mentioned in writing could trigger acceptance of the debt or extension of the time period they are allowed to legally pursue you for payment.<\/p>\n

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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 make any payments for a short period of time.[\/et_pb_blurb][et_pb_button button_url=”\/debt-help\/dealing-with-creditors\/cant-make-payments-letter” url_new_window=”on” button_text=”Get Letter” button_alignment=”center” _builder_version=”4.19.3″ 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_bg_color__hover_enabled=”on|hover” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2AD13D” 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=”Shopping List Icon Purple” 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=”4.19.3″ custom_button=”on” button_text_color=”#ffffff” button_bg_color=”#2ad13d” button_border_width=”2px” 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transform_styles_phone=”” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Heading” _builder_version=”4.24.2″ text_font=”|700|||||||” text_text_color=”rgba(255,255,255,0.9)” text_font_size=”44px” text_line_height=”1.2em” 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” transform_scale_tablet=”” transform_scale_phone=”” transform_scale_last_edited=”on|tablet” transform_translate_tablet=”” transform_translate_phone=”” transform_translate_last_edited=”on|desktop” transform_translate_linked_tablet=”off” transform_rotate_tablet=”” transform_rotate_phone=”” transform_rotate_last_edited=”on|desktop” transform_skew_tablet=”” transform_skew_phone=”” transform_skew_last_edited=”on|desktop” transform_origin_tablet=”” transform_origin_phone=”” transform_origin_last_edited=”on|desktop” transform_styles_last_edited=”on|desktop” z_index=”1″ text_orientation=”center” background_layout=”dark” max_width=”62%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|phone” module_alignment=”center” custom_margin=”-15px|79px|||false|false” custom_margin_tablet=”0px||||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|phone” custom_padding=”|||3px||” animation_direction=”bottom” transform_styles_tablet=”” transform_styles_phone=”” text_text_shadow_style=”preset1″ inline_fonts=”Work Sans” global_colors_info=”{}”]<\/p>\n

    Find out how to get debt relief<\/h3>\n

    [\/et_pb_text][et_pb_text admin_label=”Paragraph Message” _builder_version=”4.24.2″ text_text_color=”#ffffff” text_font_size=”22px” text_line_height=”1.4em” header_font=”||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” transform_scale_tablet=”” transform_scale_phone=”” transform_scale_last_edited=”on|tablet” transform_translate_tablet=”” transform_translate_phone=”” transform_translate_last_edited=”on|phone” transform_translate_linked_tablet=”off” transform_rotate_tablet=”” transform_rotate_phone=”” transform_rotate_last_edited=”on|desktop” transform_skew_tablet=”” transform_skew_phone=”” transform_skew_last_edited=”on|desktop” transform_origin_tablet=”” transform_origin_phone=”” transform_origin_last_edited=”on|desktop” transform_styles_last_edited=”on|phone” z_index=”1″ text_orientation=”center” max_width=”60%” max_width_tablet=”80%” max_width_phone=”90%” max_width_last_edited=”on|desktop” module_alignment=”center” min_height=”79px” custom_margin=”-11px||40px|||” custom_margin_tablet=”0px||0px||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|phone” animation_direction=”bottom” transform_styles_tablet=”” transform_styles_phone=”” text_text_shadow_style=”preset1″ text_text_shadow_color=”#000000″ global_colors_info=”{}”]Get the help you need. Find the right option that will work for your specific set of circumstances. Instead of endlessly looking through debt consolidation company reviews, let one of our experienced counsellors help you. If we can’t fully help you, we’ll refer you to an organization we trust that can or help you put together an action plan so you can get started on your next steps. Feel free to give us a call or chat with us online. We’re here to help.[\/et_pb_text][et_pb_button button_url=”\/contact-us#options” button_text=”Talk to Us” button_alignment=”center” _builder_version=”4.21.0″ custom_button=”on” button_text_color=”#FFFFFF” button_bg_color=”#2ad13d” button_icon=”5||divi||400″ custom_margin_tablet=”45px||||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|phone” custom_padding_tablet=”||||false|false” custom_padding_last_edited=”off|tablet” 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|phone” admin_label=”CTA – 2 Column w\/form on Purple” _builder_version=”4.16″ background_color=”#5b25af” background_enable_image=”off” z_index=”0″ max_width=”100%” custom_margin_tablet=”||0px||false|false” custom_margin_phone=”||0px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”70px||120px||false|false” custom_padding_tablet=”0px||40px||false|false” custom_padding_phone=”0px||30px||false|false” 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=”ramp2″ 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 column_structure=”3_5,2_5″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” custom_padding_last_edited=”on|phone” admin_label=”Service Section Title” _builder_version=”4.27.2″ width_tablet=”” width_phone=”100%” width_last_edited=”on|phone” module_alignment=”center” custom_margin=”|auto||auto|false|false” custom_padding=”30px||||false|false” custom_padding_tablet=”200px||100px||false|false” custom_padding_phone=”200px||||false|false” animation_direction=”top” locked=”off” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.16″ custom_padding=”|50px||50px|false|false” custom_css_main_element=”margin: auto;” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Title” _builder_version=”4.27.2″ text_font=”|700|||||||” text_text_color=”rgba(255,255,255,0.6)” 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” animation_direction=”bottom” hover_enabled=”0″ inline_fonts=”Work Sans” global_colors_info=”{}” sticky_enabled=”0″]Struggling with too much debt?[\/et_pb_text][et_pb_text admin_label=”Title” _builder_version=”4.27.2″ 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=”||||false|false” custom_padding=”10px||||false|false” animation_direction=”bottom” inline_fonts=”Work Sans” global_colors_info=”{}”]<\/p>\n

    Speak with a non-profit credit counsellor.<\/p>\n

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    When you’re overwhelmed with too much debt, you need a plan to get out and get back on tack. There are many ways to do this including debt relief programs and do-it-yourself options. The key is to find out what your options are and then make a plan to resolve your situation. Our certified non-profit credit counsellors can help you with this. Talking to them is always free, confidential, and non-judgmental.<\/p>\n

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