Sample Pay for Delete Letter

Sample Pay for Delete LetterThis is a sample pay for delete letter that you can send to the collection agencies as part of a pay for delete agreement negotiation.

You can use this letter to request debt collectors to remove a collection accounts from your credit report in exchange for payment. Send it ONLY if you have the ability to pay the full amount listed as soon as the collection agent agrees to your offer.

Send the letter via certified mail, return receipt requested, so that you have document that the collection agency received your correspondence. Keep a copy to yourself.

For your convenience, copy this text into your favorite text editor software, or you can download a text version of it from here. Replace the bolded items with your personal information and edit the [square brackets] as required.

Sample Pay for Delete Letter

Your Name
Your Address
Your City, State, Zip Code
Collector’s Name
Collector’s Address
Collector’s City, State Zip


Re: Account Number XXXX-XXXX-XXXX-XXXX

Dear Sir or Madam:

This letter is in response to your [letter/call/credit report entry] on [date] related to the debt listed above. I wish to save us both time and effort by settling this debt.

Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below.

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher.

I am willing to pay [this debt in full/$XXX as settlement for this debt] in return for your agreement to remove all information regarding this debt from the credit reporting agencies (namely Equifax, Experian and TransUnion) that you have reported to, within ten calendar days of payment.

If you agree to the terms, I will send certified payment in the amount of $XXX payable to [Name of Collection Agency] in exchange to have all information related to this debt removed from all of my credit files.

If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of [Name of Collection Agency]. The letter will be treated as a contract and subject to the laws of my state.

As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 15 days, I will withdraw the offer and request full verification of this debt.

Please forward your agreement to the address listed above.


Your Name
Your Signature

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