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Paid In Full Letter Sample Form

Fight Debt Collector AbuseHave you recently settled a debt and are searching for a paid in full letter? Good news, we’ve got two free sample form letters below. But there are some things you should know before you send a letter, including whether you might be entitled to a refund or cash back. How? Keep reading.

First, debt collection and credit reporting–you know, the sort of activities that coerce consumers into paying debts–often violate must know consumer rights like the Fair Debt Collection Practices Act and Fair Credit Reporting Act. And when these rights are violated you can be entitled to a cash award plus no cost attorney representation.

For example, and quite often, additional fees and interest charges are added after you’ve sent in your final payment; doing so can violate the FDCPA. If this happens to you, don’t pay more than the agreed upon amount without first seeing if the collector’s demand you pay more is even legal.

Another problem many consumers face after paying a debt is not having their credit report properly updated to reflect the debt is no longer due. Sometimes credit reports are not updated at all, and other times they are incorrectly updated. Either way, you won’t get the credit rating bump you deserve and have earned by paying the debt. After you pay the debt get a free copy of your credit report and if there are any inaccuracies at all, get a free no obligation Fair Credit case review, you could be entitled large money damages.

If a debt collector insists you still owe a debt that has been paid in full, your credit report isn’t accurately updated, or if you believe you are a victim of any other illegal or unfair debt collection or credit reporting practices, submit your information to FREE* Fair Debt and Fair Credit Lawyers by:

You might be entitled to statutory damages of up to $2,000, plus any actual damages suffered, plus attorney fees!

Two sample paid in full form letters are below, use the first or second letter below depending on which scenario fits your situation. The letters should be sent to collectors via return receipt requested anytime you pay a debt.

Sample Paid in Full Letter Informing Collectors of Your Final Payment. . Although your letter should demand confirmation from the bill collector or collection agency that the debt is paid in full, collectors often don’t respond to such requests so be sure to keep a copy to serve as proof you paid off the debt.

Paid in Full Letter–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 Namepreviously settled debt letter

Previously settled debt letter.

Previously Settled Debt Letter

Today’s Date

Your Name
Home Address
Phone Number

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

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.


Your Printed Name

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  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?

  6. can you help me create a letter requesting to get my atm card on Jan 2016 bec it will be fully paid by that time.thanx

  7. can i have a sample of clearance certificate which is paid to me in full..a friend of mine has debt to me and requesting a clearance as proof that she s already paid her debt to me in full..i dont know how to do a clearance letter.thank you.hope u can help me.

  8. I recently settled a debt I need a satisfaction letter from this place in order to qualify for a loan and the company is giving me the run around does the collection agency have any obligation to give me a letter and if so do they have a time frame???


  10. Hi I just recently payed all my debts because I’m in the process of being employed by a federal agency. I’m having a problem with one of the the debt collections agency because I’m requesting to get a debt resolution letter for the job showing that im in good standing and they don’t want to send me one because I no longer live in the state where I was put in collections. Please tell me what I can do


  12. please can you help me a request letter of payments advice as an evident for payment made to my company and tax remittance made on behalf of the comapny

  13. i have paid annual returns fees to register of companies but ,there;s no record in the books of accounts ,showing that transaction ,but he asked me to draft letter for telling her that i have settled the bill

  14. I I have recently come to a settlement agreement with national Enterprises but they will not include in it that they will send a letter stating paid in full they say verbally that they will but will not put it in writing is this a deal-breaker

  15. I requested a letter from creditor for my settlement they stated it takes 30 days is this legal

  16. I had a payment book from Conexus Federal Credit Union . The last payment slip I sent on Oct 3 , 2016 said Final Payment on it . Now they have informed me that I still owe $11,000 on a $25,000 loan that I have already paid on for 8 years at $650 per month on a 2006 F150 Pickup truck . The payment was $615 per month but I paid $650 . I got $10,000 trade in on my Ford Bronco as the down payment .

    I did a money order for $615 along with the payment slip that said final payment . I wrote paid in full on that slip also and on the money order in the memo box . I also enclosed a letter asking for all of the paperwork on the truck and the title . Have not heard a word and no title or paperwork at all . I always thought that Final Payment written on the last payment slip in the book is what it is supposed to mean .

  17. I have an account in collection that the balance is a little over $6,000. The original debt was $2,700. It was for being behind on rent at an apartment complex and then I moved out so there was a early termination fee on there too. I have called the Collection Agency and asked to settle the debt for $3,000 and they won’t accept anything less than the $6,000. I spoke with a lawyer briefly about this and he told me to send them a letter and a check for the $3,000 and said to have the letter state that if the check is cashed they are accepting the settlement for $3,000 and that the account would be paid in full. I was wondering if there is a sample letter of this or if I should just type something up. I don’t want to have my wording wrong and get screwed on this deal.

  18. I recently paid off two charged off debts for my step-son to help him repair his credit. I have letters from the collections agencies noting that these accounts have been paid-in-full. I would like to forward them to the credit bureaus. Do I need an additional letter asking them to remove this debt from his credit report or will the letter alone suffice? Do you have a sample letter to the credit agencies for this?
    Thank you!

  19. Hello, i have recently paid off my debt in full, how do i get it to be deleted from my credit report?

  20. Hi, I had a tax lien that was on my credit reports that I didn’t pay which I disputed and it was deleted but City Hall records say its still active but is nowhere on my credit reports.

  21. Publishers Clearing House keeps sending me bills on orders that have been paid. I have copies of the bills and the checks. They sent me a letter that they pay my account by the oldest amount owed …so I get these freaky amounts owed on my account. T0 correct my account they want copies of my checks front and back. They ACH their check and I only get the date ARC number and the amount. Good thing that I make copies of my checks to them. I am writing the paid in full letter and will send copies of my checks again. Any advice would be appreciated.

  22. I have paid off the debt that I owed I recently just paid my last payment, it has not updated on my credit report nor have I received the letter of clearance I talked to the debt collector on Monday she said it would take about 48hrs for the receptionist to send out the letter. She said to look in my spam folder it’s been over 48hrs still no letter.

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