"Stop Contacting Me about This Debt" - Letter to Creditors - Do it Yourself
- Read this in:
- Spanish / Español
- Step 1 Step 2 Step 3 Step 4 Step 5 Click "Proceed" above to get to the guided interview. If you only want the letter by itself, click "PDF" below.
About this Program
Welcome! This free program helps you create a letter to demand that your creditors stop contacting you about debt.
The program works by asking you questions. It uses your answers to create two copies of a letter to send to your creditors. You can print your letters, sign them, send a copy to your creditors, and keep the other for your records.
It should take less than 30 minutes to get through the interview. If you don't have enough time to finish, save your answers by creating an account with LawHelp Interactive. You can create an account now or any time during the interview.
Before you start the interview, you need to read the instructions on the next 4 tabs.
To continue, click on the green Step 2 tab above.
This letter tells debt collectors to stop using phone calls, letters or personal visits to try to make you pay back your debt. After they get this letter, the debt collectors can only contact you about legal action they will take.Does Your Debt Qualify?
A "Stop Contact" letter will only work for certain debts. A stop contact letter may work for you only if:
- Your debt is for a personal, consumer or family expense. You can not use a stop contact letter for any non-consumer or business debt. You also can not use a stop contact letter for family maintenance like child support or spousal maintenance.
- You are being contacted by a third-party debt collector. That means your original creditor (like a department store, car dealership or credit card company) sold your debt to a debt collection agency, or hired an agency or a lawyer to collect it for them. Your original creditor can still contact you about the debt.
To learn more about your rights and duties, read these fact sheets from Legal Aid:
To continue, click on the green Step 3 tab above.
You will need certain information to finish the interview. Some is basic, like your name and address. Other information includes:
- The name and address of the debt collection agency
- The name of your original creditor (like a credit card company or a store)
- An account number for the debt from the original creditor, from the debt collector, or from both. If you don't have the account number with you now, you can write it in later.
To continue, click on the green Step 4 tab above.
This interview will only work on a desktop computer. If you only have a mobile device, go to a library or other location with a desktop computer and printer. If you are at a library, you can skip this step of instructions. Public computers already have these programs installed. If you are using your own computer, make sure your computer has the following:
1. Microsoft Word or Word Viewer
If you don't have Microsoft Word, you can use Word Viewer to view, copy, and print your forms (but it won't let you make changes.) Click here to get Word Viewer for free.
(Note: Microsoft Word Pad is not the same as Microsoft Word and will not work with this program.)
2. Adobe Flash Player
If you don't have Adobe Flash Player, click here to get the newest version for free.
To continue, click on the green Step 5 tab above.