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When you and a creditor reach a loan payment agreement, an agreement to compromise debt is created to explain the payment details. Part of the debt is erased and you agree to pay the rest. Repayment could happen all at once or on a schedule. However, if you do not keep up with the payments, the full amount is due.
If an individual or company has not settled their account and has ignored your request for prompt payment, it's time to document the issue by sending a Second Payment Request. This officially advises the party that you have already sent them a payment request, payment has not yet been received, and you are demanding payment within a certain time frame.
If your customer has made every effort to avoid paying the money he or she owes you, a Notice of Assignment to Collection Agency is a form that will get your customer's attention. It informs them that the matter has been turned over to a collection agency for further action and alerts them you are serious about collecting the debt.
Not every utility or credit card statement is correct. If you spot a billing issue, you can send in a bill adjustment request to remedy this issue. Some companies have a link for this on their website whereas others ask that the adjustment request be mailed in. Common errors are related to interest rates, late fees and general rates.
A Request for Stop Payment of Check is the form you need to fill out if the check you sent was never received or lost by the recipient. Filling out a Request for Stop Payment of Check prevents an unauthorized party from fraudulently accessing your funds meant for another purpose. You can request that your bank reissue a new check.