The collection ... fee for a template downloaded from the internet or pay someone to write it for you. But most people are capable of drafting and sending a 609 dispute letter without further ...

The CFPB provides formatted letter templates to help you write ... letter within 30 days of receiving the initial collection notice if you dispute the debt or have doubts about its validity.

A paid-for template isn’t any better than ... Nor will it eliminate existing debt that you cannot pay or stop collection ...