There is no change to make. The first sentence is “Thank you for the statement of [date], that your institution recently sent me, expecting payment for an alleged debt.” That remains true whether you are current on your payments or not. In any case, do NOT include a payment with it, because that would contradict the point of the dispute letter and remove the credibility of your challenge.
If I am current on the particular credit card I wish to cancel and am not in default, then how would I modify the process?
Modified on: Sat, 18 Jul, 2015 at 8:25 PM
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