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1 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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2 Bill Adjustment Request

Use this document to send a request to a company that has overbilled you, that they correct the error. Excess and adjusted amounts will be automatically calculated when you enter the quoted vs. invoice amounts.

You may also use this document to notify your credit card company of a mistake to your credit card bill, and request removal of the error.

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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 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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5 Loan Modification Letter

In an attempt to negotiate and modify a mortgage or mortgage payments, a borrower may seek to appeal to the lender with a written request to modify. The letter will explain the reason for the hardship, and need for a reduced payment, as well as explain why the borrowers current situation is changing in a positive way.

This letter will enable a borrower to explain his or her difficulty in making payments in the current amount, and to advocate for a reduced payment with reasons why the new payment will be easier to comply with.

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6 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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7 Agreement to Compromise Debt

On occasion a company or individual will encounter a customer who clearly cannot pay, despite the desire to do so. In this case, it may be better to accept a partial payment than to try in futility to collect the entire amount. In this case the best plan may be to a lesser amount which the debtor will agree to pay off.

This document is an agreement between debtor and creditor to a lesser debt amount and both parties agree to comply with the lesser amount and the payment terms set forth.

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8 Debtor's Settlement Offer

There are times and circumstances during which creditors will accept reduced payment in full settlement of a debt. The savings resulting from these agreements can be substantial, and you can often negotiate an improvement in your credit report as well. The law of contracts binds you to the terms of your offer, so be certain that you can do what you promise. The creditor can respond in three ways. He can accept your terms, in which case you have a contract. He can vary the terms of your offer, in which case, you are still negotiating. Or he can reject your offer outright. If you are behind on your payments and suspect that your creditor may be open to a settlement offer, use this form to offer a settlement on terms that you can live with.

When a debtor desires to settle a debt with a creditor he or she may do so by initiating negotiations with a settlement offer letter. Use this letter to make an offer to a creditor to settle a debt and set forth parameters of the settlement.

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