Whether it be credit card debt, payday loans, medical debt or other unsecured debt (other than student loans, alimony and child support), creditors and debt collectors will often accept as little as 25 percent of the debt as payment in full when they believe the debtor cannot pay and is judgment proof, meaning the debtor has few assets to seize through a lawsuit. The sample letters below are part of our online section. Some of you reading this have been contacted about really old debt that is probably out of statute. If this is so, you might be interested in visiting our ' ' section before dealing with a debt collector. Debt Negotiation. Return To Castle Wolfenstein Utorrent Latest. Some of the sample letters will help you obtain alternate repayment plans and permanent reduced settlements.

Template letters for employees to use in workplace disputes. These documents will help you to negotiate the best settlement agreement deal. Download FREE pdf version of sample letters - pay for delete, debt. To be accumulated in the trust account for OVLG to give the creditor any settlement offer.

It is best that your initial contact with a creditor (or debt collector) be by telephone, so use the letters afterwards and only after reading the information. You can glean what you should say to them from the sample letters offered below. Always follow-up your telephone conversation with a letter setting forth what was discussed over the phone and which sets forth the terms of the agreement made over the phone. To protect yourself, you might want to send the letter certified mail, return receipt requested (particularly if you're dealing with a bill collector).

The legal letter templates and example documents are listed below for you to adapt for use in your dispute with your UK employer. Just click on the sub-heading to view a list of the specific type of templates required. When completed correctly, these letters will lead your employer to think that you have hired lawyers, which of course makes it much easier to obtain a negotiated exit package called a settlement agreement or compromise agreement. Select the type of template you require by clicking on the buttons below, or scroll down to browse the full list. Grievance Letter: Suspended, Back Injury & Equal Pay Here the client has originally taken time off work with a bad back, actually caused by working too many hours. Rather than help him, they move him to an inferior role with less responsibility.

He then finds out that he is being paid less than some female counterparts. When he flags this up, he is suspended for breaching confidentiality! This template grievance also comes with a without prejudice letter setting out how much money the employee is asking for and why. Grievance Letter: Made Redundant After Making Complaint In this example, the employer was a bank and the employee was made redundant very quickly after reporting her line manager for entertaining clients in strip clubs. It looked too much like a coincidence, and when we started asking searching questions in this grievance letter about the redundancy procedure, the bank eventually gave a good settlement agreement, having originally been talking very tough through its in-house lawyer.