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Use this letter to send a "paid in full" notice to debt collectors after you've paid them the agreed upon amount or use the second letter when other collectors are trying to collect on a debt that has already been paid.

This paid in full letter should be sent to collectors via return receipt requested. Although the letter demands confirmation from the bill collector or collection agency that the debt is paid in full, it can also serves as proof that you did pay off the debt. Quite often additional fees and interest charges are added after you've sent in your final payment. Don't pay more than the agreed upon amount.

Use the first or second letter below depending on which scenario fits your situation.

Feel free to copy and paste the letter below into your word processor or, if that does not work have Rich send you a Free copy of the paid-in-full letter.

Free Sample Paid in Full Letter Informing Collectors of Your Final Payment

Today's Date

Your Name
Home Address
Phone Number

Attention: {name of collector}
Name of Debt Collection
Agency Address

Account Number: {account or reference number}

Dear Mr. /Ms. {Collector's Name or Collection Agency's name}

You'll find my final payment on the above referenced account enclosed. I request written confirmation showing this account as {paid in full or settled} according to our agreement on {insert date of agreement}. However, should you choose not you provide me with confirmation, I will use your acceptance of this final payment as proof that you agree the account is {paid in full or settled}.

Now that this debt is paid, I do not expect to hear from you except to confirm the account is paid. I will consider any other contact from you or you company as harassment and will immediately report your actions to my State Attorney General and to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Finally, I expect you to remove this account and all references to my personal information from your records.

Signature just above printed name
Your Printed Name

Feel free to copy and paste the letter below into your word processor or, if that does not work have Rich send you a Free copy of the previously settled debt letter

Free Sample Previously Settled Debt Letter

September 28, 2003

Your Name
Home Address
Phone Number

Attention: {name of collector if known}
Name of Debt Collection Agency
Address

RE: Collection letter dated {date of letter here} or phone call on {date of call here} reference account #: {account or reference number}

Dear Mr. /Ms. {Collector's Name of name of Collection Agency}

This letter is to inform you that the account in question was settled on [insert date] with [insert name of collection agency]. I have enclosed copies of the settlement letter and proof of payment. You now have proof that this debt is no longer collectable, therefore I demand that you remove this account, and all references to my personal information, from your records.

I do not expect to hear from you again regarding this matter however, should you choose to ignore this notification, I will consider any contact not in accordance with the Fair Debt Collection Act, a serious violation of the law and will immediately report any violations to my State Attorney General and to the Federal Trade Commission and, should it become necessary, take legal action to protect my myself.

 

Signature
Your Printed Name

Rich's Enterprises, L.L.C., Prattville Alabama
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