It should include your name, the date, and a statement invoking your rights under the Fair Debt Collection Practices Act (FDCPA). :
: If you are judgment proof (e.g., your only income is Social Security), you may need to file an "Exemption Claim Form" with your bank. Research and Policy Papers debt credit card
: Medical bills or notices of employment loss. It should include your name, the date, and
: Explores how small businesses use credit cards as a primary financing source. It should include your name
Banks often require "paper" to prove you are facing financial hardship before they will negotiate:
: Salary slips, bank statements, or income proof.