ตัวอย่างหนังสือถึงเจ้าหนี้ การขอลดดอกเบี้ย เงินต้น การขอประนอมหนี้ การติดต่อกับ สำนักงานทวงหนี้ หลายแบบ ประยุกต์ใช้ตามความเหมาะสม
Contact Credit Companies
Time comes when you might need to talk to your creditors and ask them if they can work out on an alternate payment plan for you. You might also need to reduce your interest rates and debts as well. It is important to convince them and let them understand your problem so that they can take a step. ต้องการติดต่อกับเจ้าหนี้เช่น บัตรเครดิต หนี้ประเภทต่าง ๆ ขอลดดอกเบี้ย เงินต้น และพยายามอธิบายให้เจ้าหนี้เข้าใจถึงสถานการณ์ทางการเงินที่ไม่ดีของเรา เขาจะได้เห็นใจ…ตัวอย่างตามนี้
Company Name:
Address:
Date:
Re: Your account no
Dear Sir/ Madam,
I am presently going through some financial difficulties and fear that I will not be able to meet my monthly payments to you. I do not want to declare bankruptcy and want to try and work out an alternate payment plan so that I don’t have to default on this debt.
I would like to suggest a strategy if it is acceptable. If you could close my account, waive the interest payments and accept a new balance of (50% or whatever you propose) of what I currently owe, then I can afford to make a monthly payment of $_____.
(Relate your financial trouble, only as much is required for official purposes)
I am sure you will agree to the situation which has caused this fallout. Please feel free to have one of your representatives call me and work out the final strategy.
If you feel, you can’t adjust the payment plan; I would be forced to default on this account. I intend to pay creditors who can work for me.
Thanks for your cooperation,
Sincerely,
Your Signature
Your Name
Back
Offer Letter with alternate Payment Strategy
Company Name:
Address:
Date:
Re: Account No.
Dear Sir/ Madam,
I am presently going through some financial difficulties and fear that I will not be able to meet my monthly payments to you. I do not want to declare bankruptcy and want to try and work out an alternate payment plan, so that I don’t have to default on this debt.
I would like to suggest a strategy if it is acceptable. If you could close my account, waive the interest payments and accept a new balance of [50% or whatever you propose] of what I currently owe, I can afford to make a monthly payment of $__________
(Relate your financial trouble, only as much is required for official purposes).
I am sure you will agree to the situation which has caused this fallout. Please feel free to have one of your representatives call me and work out the final strategy. If you feel, you can’t adjust the payment plan. I would be forced to default on this account. I intend to pay creditors who can work for me.
Thanking you,
Sincerely,
Your Name
Acceptance of verbal offer for Debt Settlement
Example 1
Dear Creditor, Re: Account No.
This is to confirm the settlement offer agreed upon by me and your customer service representative [name], [phone no.] on [date.].
I really appreciate that your company is willing to work with me in settling this debt.
The amount we agreed to settle this debt in full is $_____. However, any references to late payment or charge offs on this account should be removed from my credit file.
If the above terms are acceptable to your company, please sign the attached letter of agreement and return the copy to me. Only upon the receipt of the ‘signed agreement’, I will send you a money order in the amount stated above.
Yours truly,
Your Signature Your Name Enclosure:
Back
Follow up debt collection agency
Your Name Your Address Date:
Re: Account No.
Dear Sir/Madam,
I had sent you a request to validate my debt, account no.__________ on____________. According to the Fair Debt Collections Practices Act (FDCPA), I have the right to claim a validation of the debt and you are obliged to provide me the relevant documentation. I have received no reply from you except the confirmation of receipt of letter on____, whereas the other credit bureaus have sent their “verified” document.
You are now in violation of the FDCPA and subject to a fine of $1,000(refer to the act for updated value), which I may collect by filing a claim. I intend to continue with the suit if I don’t hear back from you within the coming [10-15] days.
This might result in a bad mark on your reputation. This might even result in serious legal trouble with the FTC and other state and federal agencies.
PLEASE TAKE NOTE OF THIS.
Sincerely,
Your Signature your Name
Back
Request to stop contact
Your Name Your Address Date:
Re: Account No.
Dear Sir/Madam,
This is to request you to CEASE and DESIST from your efforts of collecting debt payments on the above referred account. I would like to work with the original creditor of the account rather than collection agencies.
You are hereby instructed in accordance with the federal and state laws, to stop all collection efforts immediately or face legal sanctions.
PAY DUE ATTENTION TO THIS LETTER..
Cordially, Your Signature Your Name
Unsolicited offer to the Creditor
Example 1 If you want to offer the creditor a written offer first without any other discussion then you should write a letter along with “Agreement to settle debts”.
Creditor Name Creditor Address
Date:
Re: Account No.
Dear Sir/Madam,
It has taken me a long period of time to settle my financial problems. I am now in a position to take care of my debt; the account number of the same is referred to above. I appreciate the interest taken by your company to resolve this issue. I would like to respond to this offer and settle the debt at the earliest.
The amount I suggest to settle this debt in full is $_____. However, any references to late payment or charge offs on this account should be deleted from my credit file.
The fact is, I have several other companies to conduct debt negotiations with and have limited funds at my disposal. I will be able to pay only those companies who are willing to meet my terms. I have reached a settlement with a few creditors and undergoing the process with the others. I doubt if I would have enough funds to pay all at the end of this month.
[Optional clause] If your company accepts the above terms, please sign the attached letter of agreement and send a copy to me. Only upon the receipt of the ‘signed agreement’, I will send you a money order in the amount stated above.
Yours sincerely, Your Signature Your Name Your Address
Unsolicited offer to the Creditor
Example 2
If you want to go ahead and make a creditor a written offer without discussing it, here is the way to go. You should pair this letter with the “Agreement to settle a debt” letter.
Dear Creditor,
Re: Account No.
This is to bring to your kind notice that I sincerely wanted to settle this debt issue for sometime now. But due to poor financial condition it was not possible. At present my financial position permits me to take further steps and I would like to take care of the debt for the account number mentioned above. My earnest gratitude for your efforts in advance and I would like to take this opportunity to sincerely thank your company to help us resolve this issue and save us from debt burdened conditions.
The final amount we mutually agreed upon is $………. I also request you to take into consideration the fact that we also agreed that all my interest rates, late fees or any reference to them are to be eliminated from my credit report.
Incidentally, I have enrolled with several other companies to clear my debt issues and have a moderate amount of funds. In all probability I can only come to business terms with you if you consider and agree on my proposal mentioned above. Fortunately, I have already attained agreeable settlements with a couple of my creditors and will hardly have any left over funds at the end of this month.
[Optional clause]
If I can manage my finance more effectively, I may also offer extra money added to the agreed amount, in order to upgrade my credit rating. I’m sincerely concerned with my credit ratings as this is the most important issue in this agreement for debt settlement. Keeping in mind our mutual agreement, I hope that the above terms and conditions are acceptable to your company. On accepting my proposals please sign the attached letter to confirm our agreement and forward me a copy of the same. On receipt of your signed approval letter I will send you a money order with valuation of the amount stated above.
Thanking you in anticipation, Yours Truly, Your Signature Your Name Enclosure: