Michael W Newman

Letters You Can Use

"Voiding A Rent-To Own Contract"

RE: Account # 00000001 

Dear Sirs: 

 I am writing in response to your collection call on January 2, 2008 regarding my rent-to-own agreement with your company.  As I explained on the telephone, I cannot make any further payments and I request that you reclaim your merchandise.  I feel that while visiting your store, excessive pressure and questionable sales tactics were used to coerce me into executing the rental agreement

If my offer to return your merchandise is not acceptable, I will forward the details of my situation to the State Attorney General's Office for further guidance.  I will look for your reply within the next ten days before taking further action on this matter

Sincerely, 

John Smith  

cc: Attorney Mary Doe"

   Letters Ready To Use                         

#1 - LETTER TO STOP CREDITOR'S FURTHER TELEPHONE     

       CONTACT WITH YOU

#2 - STOPPING CREDITOR'S FURTHER TELEPHONE CONTACT   

       WITH YOU INCLUDING NOTIFICATION OF FURTHER

       ACTION TO BE TAKEN

#3 - STOPPING ANY FURTHER CREDITOR'S TELEPHONE       

       CONTACT WITH YOU

#4 - VOIDING A RENT‑TO‑OWN CONTRACT                  

#5 - USING THE UNITED STATES POSTAL SYSTEM           

#6 - NOTICE OF INABILITY TO MEET MONTHLY OBLIGATION  

#7 - OFFER FOR A PRO RATA PLAN SETTLEMENT          

#8 - INFORMING CREDITORS OF BANKRUPTCY               

#9 - REQUESTING THE FREE COPY OF CREDIT              

      PROFILE FROM EQUIFAX

#10- REQUESTING COPY OF CREDIT PROFILE DUE           

       TO CREDIT CHECK

#11- LETTER TO CORRECT PERSONAL INFORMATION          

#12- LETTER TO ERASE CREDITOR INQUIRIES              

#13- LETTER TO ERASE CREDITOR REPORTS                

#14- LETTER TO ERASE A PUBLIC RECORD ITEM            

#15- FAILURE TO RESPOND IN A TIMELY MANNER           

#16- SETTLEMENT LETTER                               

#17- CANCELING CREDIT CARD AFTER SETTLEMENT PAYMENT