Credit Repair Sixth edition phần 8 potx

Federal taxes State taxes Social Security FICA Union duesInsurance payments Child support wage withholding Other mandatory deductions specify: Job 2: Gross pay, including overtime: $ Sub

Utilities and telephone

Medical (doctors’ and hospital) bills

Other unpaid bills

s e r u t i d n p x

s

’ y a d r u t a S

s e r u t i d n p x

r e t O

s e r u t i d n p x

Federal taxes State taxes Social Security (FICA) Union dues

Insurance payments Child support wage withholding Other mandatory deductions (specify):

Job 2: Gross pay, including overtime: $

Subtract:

Federal taxes State taxes Social Security (FICA) Union dues

Insurance payments Child support wage withholding Other mandatory deductions (specify):

Job 3: Gross pay, including overtime: $

Subtract:

Federal taxes State taxes Social Security (FICA) Union dues

Insurance payments Child support wage withholding Other mandatory deductions (specify):

Monthly Income From All Sources (cont’d)

Amount of Period covered Amount

B Self-Employment Income

Subtract:

Federal taxesState taxesSelf-employment taxesOther mandatory deductions (specify):

Subtract:

Federal taxesState taxesSelf-employment taxesOther mandatory deductions (specify):

C Other Sources

Bonuses

Dividends and interest

Rent, lease or license income

Royalties

Note or trust income

Alimony or child support you receive

Pension or retirement income

I am writing to dispute the following charge that appears on my billing statement dated

, 20 Merchant’s name:

Amount in dispute:

I am disputing this amount for the following reason(s):

As required by law, I have tried in good faith to resolve this dispute with the merchant [Describe your

ef-forts .]

Furthermore, I wish to point out that this purchase was for more than $50 and was made [cross out one:]

in the state in which I live/within 100 miles of my home

Please verify this dispute with the merchant and remove this item, and all late and interest charges attributed

to this item, from my billing statement

I am writing to point out an error that appears on my billing statement dated ,

20

Merchant’s name:

Amount in error:

The problem is as follows:

I understand that the law requires you to acknowledge receipt of this letter within 30 days unless you correct

this billing error before then Furthermore, I understand that within two billing cycles (but in no event more

than 90 days), you must correct the error or explain why you believe the amount to be correct

On , 20 , I received a copy of my credit report from

It lists my payments to you as delinquent

My past financial problems are behind me and I am now in a position to pay off this debt I can pay a

lump sum amount of $ or I can pay installments in the amount of $

per month for months if you will agree to either of the following:

If I make a lump sum payment, you agree to remove the negative information from my credit file

associ-ated with the debt

If I agree to pay off the debt in installments, you agree to re-age my account—that is, make the current

month the first repayment month and show no late payments as long as I make the agreed upon

monthly payments

If my offer is acceptable to you, please initial one of the above lines, sign the acceptance below and

return this letter to me in the enclosed envelope

Total amount due:

Monthly payment amount:

To Whom It May Concern:

At the present, I cannot pay the monthly amount required under the agreement for the following reason(s):

I can pay $ per month right now and expect to resume making the full monthly payment

when the following occurs:

Please accept the reduced payments until then If necessary, add the unpaid amount to the end of the loan

or account period and extend it by a few months

Thank you for your understanding and help Please call or write within 20 days to let me know if this is

Total amount due:

Monthly payment amount:

To Whom It May Concern:

At the present, I cannot pay the monthly amount required under the agreement for the following reason(s):

I can pay you only $ per month for the indefinite future Please accept the reduced

payments I promise to inform you immediately if my financial condition improves and I am able to resume

making normal payments

Thank you for your understanding and help Please call or write within 20 days to let me know if this is

Total amount due:

Monthly payment amount:

To Whom It May Concern:

At the present, I cannot pay the monthly amount required under the agreement for the following reason(s):

For now, I cannot make any payments I expect to resume making the full monthly payment when the

following occurs:

If necessary, add the unpaid amount to the end of the loan or account period and extend it by a few months

Thank you for your understanding and help Please call or write within 20 days if this is unacceptable

Total amount due:

Monthly payment amount:

To Whom It May Concern:

At the present, I cannot pay the monthly amount required under the agreement for the following reason(s):

Due to my desperate financial situation, I cannot make any payments for the indefinite future [Describe

Total amount due:

Monthly payment amount:

To Whom It May Concern:

At the present, I cannot pay the monthly amount required under the agreement for the following reason(s):

I would like the terms of the loan rewritten in order to reduce the amount of the monthly payments

Thank you for your understanding and help Please call me as soon as possible in order that we may

discuss new loan terms

Total amount due:

Monthly payment amount:

Collateral:

To Whom It May Concern:

I cannot pay the monthly amount required under my agreement with you I invite you to come pick up the

collateral, or to let me know where I can return it to you, if you can assure me in writing that the entire

debt will be canceled when the property is returned, and that I will not be liable for any deficiency

Enclosed is a check for $ to cover the balance of the account Cashing this check

constitutes payment in full