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Effect of CARD Act on Students

Anyone under 21 must have a co-signer to open an account.

Vital information about your credit record

What goes on it, and how long does it stay?

Raise Your Credit Score: a DIY Guide

Find out what steps you can take today.

Reverse Mortgage Loans: Identifying Scams and Shortcuts

This could be right for you, but you'd better be sure. Get the right information from trusted sources or risk losing your home to scammers.

Refinancing with Government Help

Do you qualify for lower monthly mortgage payments?

Studying Emergency Student Loans

Emergency assistance may be available, but it is temporary and based on need.

A Review of Debt Management Credit Counseling Corporation

A simple review of a community nonprofit organization.

Good Deal... Great Deal? Leasing Vs. Buying

You might purchase at the end of your lease period, but that's the depreciated value after you already paid your lease (AKA a rip-off).

Thinking about a debt reduction negotiation?

If you've been running up a tab since the holiday season, now might be the right time.

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Sample Letters

One of the easiest ways to handle your own debt problems is to use a template. We at Debtors Unite believe that it is essential that you have access to useful tools that can help you work through your own struggles.

These templates are easily editable so that you may use them to fit your needs and situation. While these letters may serve as useful guides to resolving simple situations, they are not a substitute for legal counsel. An attorney should be consulted for any serious legal action against you.

Feel free to select from the applicable sample letters that are available as a guide. Alternatively, you may download the Word document so that you may make your own revisions so that it fits your situation.

Expiration of Statute of Limitations: This letter can be a useful guide when informing a debt collector that your debt is no longer collectible.
Request for a Lower Interest Rate: This letter can guide you through the process to encourage your lender to reduce your interest and retain your business.
Request for a Lower Minimum Payment: This is a guide for making a request for a lower payment.
Request for Validation of Debt: This letter may be sent within 30 days of receiving notice from a collection agency. It ensures you receive proof of any debt that you owe to the collector.

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