how do you write a collection letter?

Question

my x ows me money. we had a verbal agreement for him to pay then he signed a personal letter stating that he would pay 150 every month untill the CC was payed off. he made two payments then stoped. he ows me more money that the bill is worth but that is what we agreed apon separation. i want to send him a bill/ attemp to settle the debt before i take him to court and i need help writing the letter. i don't what to say somthing that he can come back and get me with. CAN Any one help!
sarah

Answer 1

Just simply say in the letter that you two had an agreement for him to pay certain amount each month until it is paid in full. Give him 30 days to reply and that this is an attempt to collect a debt. Sign your name and date it and send it certified, so that you know he got it. After 30 days and you don't hear from him take it to small claims court.

Answer 2

Always keep a notebook detailing your collection efforts. After a courtesy phone call, because mistakes really do happen, although rarely one like this, all of your correspondence with them should be in writing. Keep copies. Post a copy of their check prominently on a bulletin board where it can be can be seen by other customers. This discourages other customers from doing the same thing and embarrasses the deadbeat into paying sometimes. Let them know writing an insufficient funds check is illegal. Let them know you are prepared to take it to the state attorney to prosecute them, but would rather they just pay it. Give them 7 days. This gives them time to get the letter, which you should send certified, and scrounge around for the cash. If they call you to work it out great, but if they don't, prosecute them. Sometimes being arrested gives deadbeats a whole new prospective. Or you could let them know, you know a guy who will break their knees and they will never again forget you, or that they tried to stiff you.

Answer 3

I would suggest you speak with a lawyer. This is your credit history your playing with. Unfortunately, if you don't have anything in writing and if the card is in just your name, you might be SOL. You should check with a lawyer though. The laws in each state are different.