    ************************ LETTER #1 *************************
                                                YOUR NAME
                                                YOUR ADDRESS
                                                YOUR CITY, STATE & ZIP

    ADDRESSEE
    ADDRESSEE ADDRESS
    ADDRESSEE CITY, STATE & ZIP

    Date: DATE

    RE: ACCOUNT INFORMATION

    SALUTATION,
 
    This  is  to  advise  you that, under Public Law 95-109, Section
    805-C, The Fair Debt Collection Practices Act, I  hereby  demand
    that you CEASE AND DESIST in any and all attempts to collect the
    above debt.

    If  you  fail to immediately comply with this demand, I will not
    hesitate  to file charges against you with the state and federal
    agencies empowered with enforcement.
          
    You are  further  warned  that  if  you  place  ANY  derogatory 
    information on any credit reports after receipt of this notice, 
    I will take  action  against  you  for failing to abide by this 
    demand pursuant to the law.
    
    Furthermore, I  do  not recognize your authority in this matter 
    and therefore will settle this matter directly with my creditor.

    Sincerely,


    YOUR NAME

    ************************ LETTER #2 *************************

                                                YOUR NAME
                                                YOUR ADDRESS
                                                YOUR CITY, STATE & ZIP

    ADDRESSEE
    ADDRESSEE ADDRESS
    ADDRESSEE CITY, STATE & ZIP

    Date: DATE

    RE: ACCOUNT INFORMATION

    SALUTATION,

    Your conduct with  regard to your collection attempts on the above
    debt  is  contrary  to the letter and intent of Public Law 95-109,
    The Fair Debt Collection Practices Act, and will not be tolerated.

    Therefore, I  hereby  demand  that you CEASE AND DESIST in any and
    all attempts to collect the  above  debt  on  the  basis that your
    conduct makes  it  impossible  for  me  to  continue  any  further
    communication with you.

    If  you  fail  to immediately  comply with this demand, I will not
    hesitate to file charges against  you  with  the state and federal
    agencies empowered with enforcement.
     
    You  are  further  warned  that  if  you  place   ANY   derogatory 
    information  on  any  credit reports after receipt of this notice, 
    I will take action against you for failing to abide by this demand 
    pursuant to the law.

    Sincerely,


    YOUR NAME

    ************************ LETTER #3 *************************

                                                YOUR NAME
                                                YOUR ADDRESS
                                                YOUR CITY, STATE & ZIP

    ADDRESSEE
    ADDRESSEE ADDRESS
    ADDRESSEE CITY, STATE & ZIP

    Date: DATE

    RE: ACCOUNT INFORMATION

    SALUTATION,

    In  previous  correspondance, I  made  demand  that you stop your
    collection efforts on the debt named above. You have not complied
    with my demand. I therefore, repeat my demand  that you CEASE AND
    DESIST in any and all attempts to collect the above debt pursuant
    to Public Law 95-109, Section 805-C.

    If  you  fail  to immediately comply with this demand, I will not
    hesitate to file  charges  against you with the state and federal
    agencies empowered with enforcement with no further communication.

    Sincerely,


    YOUR NAME

    ************************ LETTER #4 *************************

                                                YOUR NAME
                                                YOUR ADDRESS
                                                YOUR CITY, STATE & ZIP

    ADDRESSEE
    ADDRESSEE ADDRESS
    ADDRESSEE CITY, STATE & ZIP

    Date: DATE

    RE: DEBT COLLECTOR NAME AND ADDRESS

    SALUTATION,

    Despite  my  repeated  requests to cease and desist  collection
    efforts against me  pursuant  to  my  rights  as  stated in the 
    Fair Debt Collection Practices Act, the above named  collection
    agency has continued to contact me on this matter.

    I  request  that you investigate this collection agency on  the
    basis that their actions demonstrate a disregard for the rights
    granted  consumers under the Fair Debt Collection Practices Act
    which is not in the best interests of the general public. 

    Sincerely,


    YOUR NAME

    ************************ LETTER #5 *************************

                                                YOUR NAME
                                                YOUR ADDRESS
                                                YOUR CITY, STATE & ZIP

    ADDRESSEE
    ADDRESSEE ADDRESS
    ADDRESSEE CITY, STATE & ZIP

    Date: DATE

    RE: ACCOUNT INFORMATION

    SALUTATION,

    I do  not  acknowledge  your authority in the matter of the above
    named debt. I will resolve this directly with my creditor. Please
    do not contact me on this matter again.

    Sincerely,


    YOUR NAME

    ************************ LETTER #6 *************************

                                                YOUR NAME
                                                YOUR ADDRESS
                                                YOUR CITY, STATE & ZIP

    ADDRESSEE
    ADDRESSEE ADDRESS
    ADDRESSEE CITY, STATE & ZIP

    Date: DATE

    RE: ACCOUNT INFORMATION

    SALUTATION,

    Pursuant to Public Law 95-109, you are not to contact me at
    my place of employment.

    Sincerely,


    YOUR NAME

    ************************ LETTER #7 *************************

                                                YOUR NAME
                                                YOUR ADDRESS
                                                YOUR CITY, STATE & ZIP

    ADDRESSEE
    ADDRESSEE ADDRESS
    ADDRESSEE CITY, STATE & ZIP

    Date: DATE

    RE: ACCOUNT INFORMATION

    SALUTATION,

    Pursuant  to  my  rights under The Fair Debt Collection Practices
    Act, you are hereby advised to cease and desist all communication
    with me concerning  the  above named debt. From this date forward
    you are to contact my attorney name below.
 
    ATTORNEY NAME
    ATTORNEY ADDRESS
    ATTORNEY CITY, STATE & ZIP
    ATTORNEY PHONE

    Sincerely,


    YOUR NAME

    ************************ LETTER #8 *************************

                                                YOUR NAME
                                                YOUR ADDRESS
                                                YOUR CITY, STATE & ZIP

    ADDRESSEE
    ADDRESSEE ADDRESS
    ADDRESSEE CITY, STATE & ZIP

    Date: DATE

    RE: ACCOUNT INFORMATION

    SALUTATION,

    You are hereby  notified that I dispute the above named debt which
    you claim I  owe.  Pursuant  to the Fair Debt Collection Practices
    Act, you are  not to contact  me  again  unless  you have verified
    the  accuracy of your claim, in which case, I  will  need  written
    verification from the original creditor of such.

    If you fail to provide verification to me within 30 days, pursuant
    to  the Fair Debt Collection Practices Act, I will assume that you
    were  unable to substantiate your original claim and will consider
    this matter closed.

    Sincerely,


    YOUR NAME

    ************************ LETTER #9 *************************

                                                YOUR NAME
                                                YOUR ADDRESS
                                                YOUR CITY, STATE & ZIP

    ADDRESSEE
    ADDRESSEE ADDRESS
    ADDRESSEE CITY, STATE & ZIP

    Date: DATE

    RE: ACCOUNT INFORMATION

    SALUTATION,

    I have been contacted by DEBT COLLECTOR'S NAME concerning
    the above named account. This collection agency has violated several
    of the provisions of the Fair Debt Collection Practices Act. 
    
    I would very much like to resolve this situation, but I will not be
    coerced into doing so nor will I allow part of my payment to be applied
    to someones fees and commissions. It is for these reasons that I make
    it my policy to not work with debt collectors. I will contact you
    shortly to work out a plan for bringing this account current.

    Sincerely,


    YOUR NAME

    ************************ LETTER #10 *************************

                                                YOUR NAME
                                                YOUR ADDRESS
                                                YOUR CITY, STATE & ZIP

    ADDRESSEE
    ADDRESSEE ADDRESS
    ADDRESSEE CITY, STATE & ZIP

    Date: DATE

    RE: ACCOUNT INFORMATION

    SALUTATION,

    I believe the status of my account, as it is being reported to me,
    is in error. I do not believe the balance is as high as I am being
    told by DEBT COLLECTOR'S NAME. Please look into this matter and
    notify me directly of your findings. At that time we can discuss
    the account and arrive at a mutually acceptable plan to resolve this
    matter. 

    In the meanwhile, I would appreciate it if you would ask that
    DEBT COLLECTOR'S NAME stop contacting me so that we can work together
    without the complication of a third party.

    Sincerely,


    YOUR NAME

    ************************ LETTER #11 *************************

                                                YOUR NAME
                                                YOUR ADDRESS
                                                YOUR CITY, STATE & ZIP

    ADDRESSEE
    ADDRESSEE ADDRESS
    ADDRESSEE CITY, STATE & ZIP

    Date: DATE

    RE: ACCOUNT INFORMATION

    SALUTATION,

    As you know, I have been unable to meet the regular payments on
    the account named above. However, I would very much like to make
    arrangements to bring this account current.
     
    I am prepared to make monthly payments of MONTHLY PAYMENTS. Each payment
    will cover a portion of the past due amount of PAST DUE AMOUNT and the
    regular monthly payment. My calculation indicates that the account
    will become current in NUMBER OF MONTHS months at this payment schedule.

    If you accept this payment plan, please advise DEBT COLLECTOR'S NAME
    that they no longer need to contact me on this matter. Please
    advise me by phone or letter if this payment schedule is acceptable,
    in which case I will begin making payments accordingly.

    Sincerely,


    YOUR NAME

    ************************ LETTER #11 *************************

                                                YOUR NAME
                                                YOUR ADDRESS
                                                YOUR CITY, STATE & ZIP

    ADDRESSEE
    ADDRESSEE ADDRESS
    ADDRESSEE CITY, STATE & ZIP

    Date: DATE

    RE: ACCOUNT INFORMATION

    SALUTATION,

    As you know, I have been unable to meet the regular payments
    on the account named above for reasons that were out of my
    control. However, I would very much like to put this matter 
    behind me. Therefore, I am prepared to make a final cash
    payment of FINAL CASH PAYMENT AMOUNT.   

    If you accept this settlement payment, I ask that you report
    to the credit bureau that this account has been paid in full
    satisfactorly.
        
    Thank you for considering this offer. Please advise me by
    phone or mail of your acceptance. Upon your notice of
    acceptance, I will remit the above payment amount to you
    immediately.
   
    Sincerely,


    YOUR NAME

    ************************ LETTER #12 *************************

                                                YOUR NAME
                                                YOUR ADDRESS
                                                YOUR CITY, STATE & ZIP

    ADDRESSEE
    ADDRESSEE ADDRESS
    ADDRESSEE CITY, STATE & ZIP

    Date: DATE

    RE: ACCOUNT INFORMATION

    SALUTATION,

    I have enclosed a payment of PAYMENT AMOUNT which is to be applied
    to the above named account only.

    Sincerely,


    YOUR NAME

