What is a Response to Payment Request?
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.
When to use a Response to Payment Request:
- 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.
have received your demand for payment regarding . Your records indicate that owe .
Please contact if you have any questions or need additional information. also or
|should sign this letter.
|should sign this letter on behalf of .
|Attach photocopies, not original copies, of returned checks, payment records, and any other documentation which supports your claim that the balance as stated in the demand letter is incorrect.
|If you have documentation to support your claim for a discount, attach it to this letter.