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Paid In Full Letter Sample Form

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.


If a debt collector insists you still owe a debt that has been paid in full, or if you believe you are a victim of illegal or unfair debt collection practices, 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!

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.

Download the pdf file here

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

Download the pdf file here

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

confidential informationThere may be instances where discussing your situation over a public forum could potentially compromise your interests. On these occasions we will contact you directly via email in order to answer your inquiry in a confidential manner.

7 comments

  1. I have been trying to get a written and signed agreement from a debt collection agency ( central financial control). I do not feel comfortable paying on a debt without a written agreement. Can they legally do that?

    • Thanks for your question; A few additional questions will help us sort out this issue. Did you dispute the debt with the collector in writing? Did they send a response to your letter? Take advantage of this site’s FREE, no obligation case review and let’s figure out how to get you some real help, you may be entitled to $1,000 or more! Make the collector follow the law or pay you, call us at 888-595-9111 and we’ll get you taken care of.

  2. I had a judgment lien on my home loan that I paid off in full. Once paid, how long does the collection agency have to release the lien and provide paid in full documents?

    • Hard to answer this question specifically without a little more information. When was the judgment paid? Who is the collection law firm that represented the plaintiff? We would be happy to provide a no obligation case review and let’s figure out how to get you some real help, you may be entitled to $1,000 or more! Make the collector follow the law or pay you, call us at 888-595-9111

  3. I have already settled a few debts. I was not aware that I should get letters and request for it to be deleted. Is there anything I can do or is it to late? My husband and I would like to buy a house, but we are both new at this and was not aware that a settlement offer would still show negative on our credit report.

  4. Before paying any debt, always ask for a letter that states them nce this account is paid in full, they’ll stop harassing you. Make sure they fax it because mail gets losses. Once they fax it, then you should pay.

  5. I was recently contacted about a debt 5 yrs old … I didn’t dispute the debt bc it is mine… The debt collector and I agreed on a payment plan( I have copy that was emailed to me). Upon paying last payment the company magically disappeared.. Before they “disappeared” i spoke confirming my last payment and they said my debt was sent back to original debtor.. I have spoke to the other company that supposedly has the debt now… I can’t get anyone to write letter now saying all obligations were met and debt was paid in full. What do I do?

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