Cancel Debt Letter

A "cancel debt letter" can be a request to a creditor to forgive a debt due to financial hardship, or a letter disputing a debt to a collector to stop communication and verify the debt. For a debt write-off request, the letter should explain your financial situation, list expenses, and formally ask for forgiveness. If disputing the debt, it should clearly state you believe the debt is not yours and request proof of obligation, according to the Fair Debt Collection Practices Act.