I’ve been contacted by a debt collector. How do I reply?

Answer: Depending on your situation, there are different ways to respond appropriately to debt collectors. We have sample letters you can use if you're experiencing common problems.

You can consider using the following sample letters if you’re experiencing common problems that may come up with debt collectors and you need help responding.

If you use any of these letters, it’s important to do so as soon as possible after you’re first contacted, and to keep copies of any letters you send. In certain situations, you only have 30 days after you’re contacted to ask for certain information, but even if more than 30 days pass, it’s still a good idea to ask for what you need.


These letters are not legal advice.


If you’re being sued or think you'll be sued, contact a lawyer.

These letters should not be used with a credit card company or your original lender. These letters are written to be used with debt collection companies or companies that purchased your debt from the original lender in order to collect it from you.

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