Use These Past Due in Collection Letters

Use For Individual Experian Accounts: Individual Experian Past Due in Collection Bankruptcy Letter (.pdf format)
Use For Individual TransUnion Accounts: Individual TransUnion Past Due in Collection Bankruptcy Letter (.pdf format)
Use For Individual Equifax Accounts: Individual Equifax Past Due in Collection Bankruptcy Letter (.pdf format)
Use For Joint Experian Accounts: Joint Experian Past Due in Collection Bankruptcy Letter (.pdf format)
Use For Joint TransUnion Accounts: Joint TransUnion Past Due in Collection Bankruptcy Letter (.pdf format)
Use For Joint Equifax Accounts: Joint Equifax Past Due in Collection Bankruptcy Letter (.pdf format)

Sample Past Due During Bankruptcy Letter

[Your Name]
[Your Address]
[City, State Zip]

[Credit Bureau]
[Credit Bureau Address]
[City, State Zip]

Date: [DATE]

RE: [Company Name] is Showing in Collections

This letter is to inform you that I am disputing the fact that the above [Company Name] is reporting that [I/WE] are in collection and past due. This account is listed in our bankruptcy. To my knowledge we are currently protected from such negative reporting. Attached you will find a copy of the creditors listed in the bankruptcy and as you can see [Company Name] is included. Bankruptcy law protects us from this being used to negatively affect our credit record.

Please correct this error as soon as possible. Please send me notification when it has been corrected since it is negatively affecting my credit.

Thank you for your help,
Sincerely,

[Your Signature]

____________________
[Your name typed]
[Your SSN#]