Debt & Finance
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1 Stolen Credit Card Report
In the unfortunate event that one or more credit cards is stolen the first action you must take is to notify the credit card company to ensure cancellation of the card and prevent future charges by someone other than yourself. Use this document to inform your credit card company that your credit card was stolen. It instructs them to no longer authorize charges on your card, and asks them to notify you of any fraudulent charges made after the date the card was lost.
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2 Second Payment Request
Following a first request to make payment, if the customer or client has still not paid, they may need a second reminder. This letter not only further notifies the customer of default but also creates documentation of the failure to pay should legal issues arise.
Use this document to issue a second notice of failure to pay and to request payment.
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3 Request to Correct Credit Report
A credit report is a record of an individual's or company's past borrowing and repaying, including information about late payments and bankruptcy. It is used in determining an individual's willingness to repay a debt.
Once you have your credit report in your possession, and you determine that there is one or more errors, you will want to request that the erroneous entries be investigated and corrected. You need to complete a send a separate document to each reporting agency with which you want to correspond. Use this document to request a correction to your credit report.
Errors that are commonly disputed are balances on accounts, negative information (such as late payments) being erroneously put on the credit report and accounts not belonging to you appearing on your credit report.
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4 Request for Stop Payment of Check
Under certain circumstances you may find you need to demand to your bank that they don't make payment on a check you have written. This means that the person holding your outstanding check will not be able to cash or deposit the check. If this situation arises you will need to notify your bank immediately of the demand to stop payment and give them all information regarding the particular check. Use this document to send a written request to your bank, asking them to stop payment on an outstanding check.
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5 Request for Credit Report
A credit report is a record of an individual's or company's past borrowing and repaying, including information about late payments and bankruptcy. It is used in determining an individual's willingness to repay a debt. The three major credit reporting agencies from where you would need a credit report are Equifax, Experian and Trans Union. Because other reporting firms gather your credit profile from a subset of one or more of these three major agencies, it's always a good idea to get a report from each agency. A separate request needs to be completed for each agency from which you want a credit report.
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6 Payment Request (1st)
Upon the failure of a client or buyer of goods to maintain his account, in other words keep up to date with payment, a seller of goods may remind the client of his failure to pay. A payment request is often enough to prompt payment from a buyer who has simply forgotten. Use this document to notify a client or buyer of goods that they still owe money on their account and remind them to pay.
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7 Notice of Intent to Repossess
In the event of a debtor's failure to pay it may be necessary the goods which the debtor has failed to pay for. If this situation arises it is important to send written notice to the debtor and warn them of your intent to repossess. This will create a paper trail should legal proceedings become necessary, as well as give proper warning to the debtor and a last chance to make good on the payment.
Use this document to notify a debtor of your intent to repossess the good or goods they have failed to make timely and/or full payment on.
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8 Notice of Disputed Account
It is vital that you check your invoices and billing statements for accuracy. Vendors make mistakes. It is important that you provide timely notice of those mistakes. If there is a significant delay in notice, you may waive your rights to receive a credit or refund. This document provides an easy way for you to generate that notice. It is primarily designed for small business use, but can be useful for any vendor that bills for their goods or services.
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9 Notice of Assignment to Collection Agency
After multiple notices of late payment and/or demand for payment a company may need to take action with regards to a customer who shows intent to avoid payment. Often a company may assign a debtor to a collection agency who will then be in charge of retrieving payment from the debtor. A collection agency will either buy the debt outright or receive a percentage of the payments when or if they are received. Use this document to notify a debtor of your full intention to collect on the account, and let the debtor know you are turning the account over to a collection agency.
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10 Lost Credit Card Report
In the unfortunate event that you lose one or more credit cards the first action you must take is to notify the credit card company to ensure cancellation of the card and prevent future charges by someone other than yourself. Use this document to inform your credit card company that you lost your credit card. It instructs them to no longer authorize charges on your card, and asks them to notify you of any fraudulent charges made after the date the card was lost. This letter also authorizes the credit card company to issue a replacement card.
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