DATE MAILING ADDRESS SPOUSE MERCHANT ADDRESS

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1 Update your credit file with information from your credit (if there are other accounts or informative information you d like on your credit report, please utilize this form.) SPOUSE To whom it may concern, Below you will find the accounts that I would like added to my credit file. There will also be photocopies of the latest statements and voided checks showing payment history. MERCHANT ADDRESS After this request is fulfilled, I would like a copy of the latest and most recent credit report. Please let me know if there is any type of fee so that I may send a check. If these accounts are not eligible to be added to the credit report, please inform me and send an explanation explaining why it got denied. Thank you for your time. Form 2

2 A legally binding letter with the creditor/collection agency. (If there is a new agreement with a creditor, please utilize this form. Example, lowering payments.) MERCHANT MERCHANT ACCOUNT Dear MERCHANT CONTACT, Thank you for your time and help with my account, and your interest to helping me. Enclosed will be two stamped, self-addressed copies of our legal binding letter. If you would please sign one copy and return it, for my records. Thank you again. Form 3

3 Terminate relationship with Collection Agency. (If you would like to put an end to their collection calls, etc., please utilize this form.) Creditor: MERCHANT Account Number: MERCHANT ACCOUNT NUMBER ATTENTION: COLLECTION AGNECY From the time of START DATE, there have been countless numbers of phone calls and letters regarding the account that is overdue with the creditor listed above. Legally under 15 U. S. C. Section 1692c, this letter s purpose is to put an end to all communications with me, with an exception of any reasons directly and strictly from the Federal Law. Form 4 Terminate relationship with Collection Agency (unlawful communication with you.) Please utilize this form.

4 MERCHANT ADDRESS o Account number: MERCHANT ACCOUNT o Amount past due: AMOUNT DUE To whom it may concern: Please see the reasons below as to why I have had an issue with paying the debt/loan off completely. REASONS: Regardless of my outstanding balance and debt, I have the right to be treated as a human with respect from the collection agency. The hired collection agency above has involved in the following practices that are against the Federal Fair Debt Collection Practices Act: I am volunteering to dispute the legal solutions that are available to me, which include a small claims lawsuit with determent damages to you and the agency. Now, I am requesting in writing, with a promise to officially stop all efforts to collect this debt and remove anything negative pertaining to it. *UNFAIRNESS* cc: Federal Trade Commission State/Collection Agency Licensing Board Form 5

5 Unable to make payments for the time being, if sued. Please utilize this form if you are no longer able to make payments. DATE MAILING ADDRESS MERCHANT ADDRESS Account Number: MERCHANT ACCOUNT NUMBER To whom it may concern: The purpose of this letter is to inform you that I am no longer able to make payments on my account for the reason(s) below. REASON: The hours that I work are not enough to meet my current expenses that I have. I have one source of income that is: EMPLOYMENT I do have knowledge in the law and know judgment proof, however if I file for chapter 7 (bankruptcy), I will claim any property I own so that if I am sued by you and obtain judgment, you are not lawfully able to collect any of it. Please terminate all collection activities that have been taken or are being considered. Financial and/or medical reasoning will be provided on my end, stress is not an option. Once my current financial hardship improves, I will notify you and begin making payments. Thank you for your thoughtfulness, Form 6

6 Undergo Chapter 7. If you are planning for filing bankruptcy, please utilize this form in order to inform debt collectors. MERCHANT ADDRESS Creditor: MERCHANT Account Number: MERCHANT ACCOUNT NUMBER To whom it may concern: Please terminate any collection activities that may have been taken against me. In the near future, I am filing for chapter 7 Bankruptcy.

7 Form 19 Follow through on investigation (credit dispute). If you would like to follow up on the investigation of a credit report error, please utilize this form. To whom it may concern: On this date, DATE a request was sent to reinvestigate the several items that were showing on my credit report. The Federal Fair Credit Act enforces that you complete your reevaluation of my request within 30 days. These 30 days have passed. Please comply and complete the investigation with a correct copy of my credit report.

8 Form 26 Request for a Free Credit Report. (Post being denied credit.) Please utilize this form if you have been denied credit and would like a copy. CREDIT ADDRESS On ACCOUNT DATE, I,, have applied for a loan with MERCHANT. I was denied due to the report that your agency issued. The denial letter is enclosed. Please send a copy of the report, which caused the denial.