Debt Collection Letter

DEBT COLLECTION COMMUNICATION — ACCOUNT AND DRAFTING PACKET

DO NOT SEND THIS PACKET. A payment request, validation notice, default
notice, acceleration notice, periodic statement, settlement proposal, and
litigation communication can have different senders, content, timing, and
consequences. Prepare each required communication separately.

1. Account and Matter Control

2. Debt, Person, and Sender Classification

3. Ownership and Authority Chain

4. Account and Balance Audit

Do not demand an estimated, duplicated, time-barred, discharged, stayed,
released, unauthorized, unsupported, or incorrectly owned amount.

5. Communication-Type Selection

6. Current-Authority and Disclosure Register

7. Recipient and Channel Control

Check returned mail, address source, email or telephone ownership, workplace,
time zone, language, accessibility, attorney representation, bankruptcy,
deceased consumer, identity theft, and third-party disclosure risk.

8. Communication Drafting Workspace

Prepare only the communication selected in Section 5.

Date: [__/__/____]

Sender: [AUTHORIZED LEGAL NAME AND CAPACITY]

Recipient and delivery method: [________________________________]

Account reference: [Use only the minimum appropriate identifier]

Purpose

[State the communication's verified purpose without implying a court finding,
new agreement, waiver, threat, or deadline that does not exist.]

Account and Amount

[Insert only the counsel-approved owner, creditor, balance, itemization, and
through-date information.]

Required Disclosures and Response Information

[Insert the exact current required form or approved text.]

Payment or Resolution Option

[State authorized options, payee, secure method, allocation, consequences,
and any private response date without obscuring or contradicting legal rights.]

Contact and Accommodation

[Insert the approved contact, dispute, language, accessibility, attorney, and
communication-preference routes.]

9. Threat, Remedy, and Credit-Reporting Screen

Do not threaten or imply an action that is unavailable, premature, unintended,
mischaracterized, or outside the sender's authority.

10. Review, Delivery, and Follow-Up Log

Final Counsel Check

• ☐ debt, person, owner, creditor, sender, collector, and jurisdiction classified
• ☐ ownership, authority, licensing, and payment payee verified
• ☐ account ledger and every demanded amount reconciled
• ☐ correct communication type and current form selected
• ☐ disclosures, itemization, recipient, timing, channel, and proof verified
• ☐ disputes, preferences, representation, bankruptcy, identity theft, and credit reporting resolved
• ☐ no unsupported threat, deadline, fee, interest, remedy, venue, or waiver remains
• ☐ final communication separately approved before delivery

Prepared by: [________________________________]

Review date: [__/__/____]