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The 609 letter is similar to a debt verification letter you would send to a third party collector when trying to validate the legitimacy of a balance due which is your right under the fair debt collection practices act the 609 letter however is based on section 609 of the fair credit reporting act fcra a federal law that regulates the credit reporting agencies. How to write a hardship letter free samples templates pdfs. Essentially a 609 letter is the same thing as a debt validation letter only based upon a specific section of the fcra. And while there is nothing wrong with buying a 609 letter template pdf to make your life a little easier by outsourcing the work it s probably helpful to understand what you ll be paying for upfront.
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