"Doing so will prolong the collection process and lead ... check out the CFPB's list of sample letters. Once you've sent a debt verification request, your debt collector can't contact you again ...

This guide will help you craft letters that get results while keeping things professional. Personalize your debt collection letters to make them more effective. Use a professional but firm tone to ...

"Effectively, the letter should contain the terms you are proposing, including what you're willing to settle the debt for in exchange for the collection agency removing the past due account ...