check out the CFPB's list of sample letters. Once you've sent a debt verification request, your debt collector can't contact you again unless it's in response to your letter. Since you are ...

Pay-for-delete letters ask debt collectors to remove negative marks ... Here's an example to make it clear what to include and one way to format it. Dear (name of representative), I am (your ...

You realize that your expenses exceed your income and you are heavily in debt; what you can afford to pay doesn’t even pay for the interest charged. One logical step you could take is to lower ...