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Getting Started
Start here and Lose the fear!

Firstly ensure you have everything that you will need ready. Checkout the check list of items below.

Also check out Keeping-it-Organised for more information on organising yourself.

Check List for sorting out your Debts:

Important - Please read this first

Please don't start sending letters until you have read this information and understand the options and procedures

Check the correct flag is highlighted for your country at the top of the page above the menu. This ensures you have the correct statute laws quoted in the letters for your country.

Warning - Firstly, DO NOT BANK ANYWHERE YOU HAVE DEBTS OR A MORTGAGE! Most banks have the 'right' to transfer (steal) cash from your bank or savings account to pay off other debts held with them, such as credit cards, loans or mortgage
Info - It's known as 'Setting-Off' or combining accounts. Get a new bank account and transfer your banking. If you have a poor credit record, don't worry, you can get a basic bank account with nearly all the facilities of a normal one, but you cannot go overdrawn with them. We have instructions on the site for Credit Repair, should you wish to repair your credit history.

Which template letters should I use?

First off check if your debts have expired, by checking the information for your country and region here- Statute of Limitation

If you debts haven't expired, you must now decide whether to use the ‘Addressee Not Recognised’ labels, (for debt collectors only) the 'Standard Letters' or go for the Common Law Copyright Procedure. Then download the relevant letters i.e. Banks, Credit cards, Debt Collectors or Payday Loans, etc.

When you send a letter to a bank, it’s best to send them to the CEO if you can find the name, if not put F.A.O. (For attention of) The CEO in the address line then Dear Sir or Madam. A list of CEOs can be found here

Also send a copy of each letter to the contact in the collection department, who sent you the letter.

When you receive a letter from a Debt Collector, reply to whoever sent the letter to you; if there is no name, 'Dear Interloper' will do. Once you start sending the letters, ALWAYS send them to the person who originally sent you the letter. These organisations like changing names and departments, ignore this and continue send your letters to the person who sent them to you.

Info - ALWAYS send the letters by recorded delivery and keep the receipt with your copy of the letter sent.

When should I send the follow up letters?

Wait Ten (10) days then send Letter 2. If you receive a response to any of the letters, your reply must be the next letter when the time is right.

Wait Ten (10) days then send Letter 3.

If all is quiet after about a month send the Estoppel.

If they continue to chase you, Bill them, as per the Fee Schedule in Letter 3, for every time you have ANY contact from them.

Info - It is best to Common Law Copyright your name, as this gives you more power when billing them, especially if your account is above £5000/$10,000. Should it ever go to court (very unlikely), you would have a counter-claim which would now be a lot more than their original claim. If they lost when chasing you for £/$5,000.00, they would have to pay out £/$3,000,000, so it would be a very risky ploy for them.
Warning - Do not send any money to them. In the UK they think you are requesting information under Section 78 of the Consumer Credit Act, and a statutory fee of £1 is required for this service.

What happens if my debt is sold on?

If they sell it on to a Debt Collector before they get letter 3 still send letter 3 to them to get them in a Tacit Agreement and start again with the new company.

They are likely to send threatening letters but that's all it is; a threat. The banks often respond with the laws that we are quoting do not apply to this country, or will say it doesn't apply to them and you have got this template letter of the Internet. So what if you have, it doesn't make them any less powerful. They send us template letters all the time!

They may ignore the letters and continue to send you "threats-o-grams", if they do, simply follow the procedure, keep sending the letters and ultimately bill them.

  • Be positive and strong.
  • Always act responsibly
  • Remain lawful and honourable
  • Always be honest and polite. Even when your ‘opponent’ isn’t
  • Don’t be greedy. If you get ‘credit’ to buy a Porsche, you are acting like a banker!
Warning - Don’t use it as a way of purchasing material goods to satisfy your ego, as your ego will never be satisfied.
Work on reining in or letting go of your ego; then you’ll be much happier in yourself.
Info - Check out and read the Hints and Tips in the right-hand column of the main Bank and Debt Collector pages on the site.
Most importantly- Enjoy the game and have fun!
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