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Other Names: Letter to Debt Collector
Response to Payment Request document preview

What is a Response to Payment Request?

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. 
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.

Sample Response to Payment Request

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have received your demand for payment regarding . Your records indicate that owe .


will promptly respond to the demand that was just received. For your records, please note that correct mailing address is: because payment was already sent to you on for entitled to a discount of which was never credited to the account. Taking into consideration the terms of the discount, the correct outstanding balance is . The balance is incorrect because Attached are copies of supporting documentation that indicate the correct amount of the balance.

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.


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