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Response to Payment Request basics

A Response to Payment Request helps you explain why you haven't made a payment, or notifies your creditor that payments will soon be received. Whether your payment is going to be a little late, or if you don't believe you owe them any money at all, it's important to let your creditor know. Just make sure you respond in a timely manner to avoid a mark on your credit. A Response to Payment Request can help you do just that.

Use the Response to Payment Request document if:

  • A creditor is demanding payment, and you want to let them know why you aren't paying.
  • You need more time to pay a bill.

If you've received a vehement letter from a creditor a Response to Payment Request can help keep them at bay. Maybe you paid your bill months ago and the creditor is just wrong, or maybe you need more time. Either way, it can be important to let them know. Simply opening up a conversation can help you avoid a ding on your credit score, and It can also help you put a stop to those angry letters from the creditor. Whether you're fighting a charge or just need more time to pay, a Response to Payment Request can help you sort everything out.

Other names for this document: Letter to Debt Collector

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Sample Response to Payment Request

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