Creditors and collectors are calling demanding payment, but with your financial situation you just don’t have the money!

We’ve all been there…not having enough money to pay all our bills! When a loss of income, an emergency, or some other personal situation causes you to miss payments, use these free creditor letters, tools, techniques, and tips to protect yourself when creditors call. The phone script is especially good at helping you remain in control of your emotions while negotiating a temporary payment plan with your creditors.

Guidelines for Contacting Creditors

Creditors want to hear from you before you your bills are late and are more willing to work with you if they know your situation. Guidelines for contacting creditors.

Phone Script for Calling Creditors

If you’re nervous about calling creditors to ask for reduced or delayed payments then use this script to control emotions so you can negotiate better!

Phone Log – For recording calls to creditors

Keeping accurate records of calls can protect you down the road. Use this free sample phone log to keep accurate records of all calls to creditors.

Credit Practices Co-signer Law

Learn how this federal law prohibits certain co-signer credit contracts and how you must be warned about liability if the other person fails to pay.

Letter to Confirm Payment Agreements

After negotiating lower interest and payment agreements with your creditors, use this free sample letter to confirm the payment arrangement!

Letter to Dispute Credit Card Bill

Need to dispute an item on your credit card bill? Use this free sample letter to dispute items in accordance with the Fair Credit Billing Act.

Credit Warning Signs!

If you recognize any of these danger signs, then you’re already in serious financial trouble and need help – nonprofit debt and credit counseling is available!

About Credit and Debit Cards

Learn about the hidden fees and charges in unsecured credit cards and why credit card insurance is useless!

When you experience a loss of income and cannot meet your monthly payments you need to know your rights so you can stop collection harassment. There are many federal and state laws that offer protection from creditors and collectors who use unfair, unethical and even illegal tactics collection tactics.

Experienced Debt Help Lawyers can make those annoying collection calls and letters stop.

If you believe you are a victim of unfair or illegal debt collection tactics, submit your information to a FREE* Fair Debt Lawyer by:

The debt collector may just be liable to you for statutory damages of up to $1,000, plus any actual damages suffered, plus attorney fees!


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