A goodwill letter to remove medical collections is a letter you can write to a collection agency or creditor to request that they remove negative information from your credit report. This can help improve your credit score and make it easier to qualify for loans and other forms of credit.
We’ll share templates, examples, and samples of goodwill letters to remove medical collections. These letters are designed to help you write a persuasive letter that will increase your chances of success.
Goodwill Letter to Remove Medical Collections
Dear [Collection Agency Contact Name],
I am writing to request the removal of medical collections from my credit report. I understand that I owe a debt to [Original Creditor Name] for medical services received on [Date of Service].
I have been experiencing financial hardship due to [Reason for Financial Hardship]. As a result, I have been unable to make payments on my medical debt. I have since secured a stable income and am committed to paying off my debt.
I have already contacted [Original Creditor Name] and made arrangements to pay off the debt in full. I am confident that I will be able to fulfill this obligation.
The presence of medical collections on my credit report is negatively impacting my ability to secure housing, employment, and other financial opportunities. I believe that removing these collections would allow me to rebuild my credit and move forward with my life.
I am requesting that you consider removing the medical collections from my credit report as a goodwill gesture. I understand that this is not a legal requirement, but I believe that it would be a fair and compassionate action.
Thank you for your time and consideration. I look forward to hearing from you soon.
Sincerely,
[Your Name]
How to Write a Goodwill Letter to Remove Medical Collections
If you have medical debt that is in collections, you may be able to get it removed by writing a goodwill letter. A goodwill letter is a letter that you send to the creditor, explaining your financial hardship and asking them to remove the debt from your credit report.
What to Include in a Goodwill Letter
When writing a goodwill letter, be sure to include the following information:
- Your name and contact information
- The name and address of the creditor
- The account number or reference number for the debt
- A brief explanation of your financial hardship
- A request to have the debt removed from your credit report
How to Write a Goodwill Letter
When writing a goodwill letter, it is important to be polite and professional. You should also be specific about your financial hardship. For example, you could mention that you have lost your job, had a medical emergency, or are struggling to make ends meet.
It is also important to be realistic in your request. Do not ask the creditor to forgive the entire debt. Instead, you could ask them to remove the debt from your credit report or to reduce the amount of the debt.
Tips for Writing a Goodwill Letter
Here are a few tips for writing a goodwill letter:
- Keep your letter brief and to the point.
- Be honest and upfront about your financial hardship.
- Be polite and professional.
- Be specific about your request.
- Follow up with the creditor after you have sent your letter.
Conclusion
Writing a goodwill letter can be a helpful way to get medical debt removed from your credit report. By following the tips above, you can increase your chances of success.
FAQs about Goodwill Letter To Remove Medical Collections
What is a goodwill letter?
A goodwill letter is a letter that you can send to a creditor to request that they remove a medical collection from your credit report. Goodwill letters are typically used when you have a valid reason for not being able to pay your medical bill, such as a job loss, illness, or natural disaster.
What should I include in a goodwill letter?
Your goodwill letter should include the following information:
- Your name and contact information
- The name and address of the creditor
- The account number for the medical collection
- The date of the medical collection
- The amount of the medical collection
- A brief explanation of why you were unable to pay your medical bill
- A request that the creditor remove the medical collection from your credit report
How do I send a goodwill letter?
You can send a goodwill letter by mail or email. If you send your letter by mail, be sure to send it certified mail with return receipt requested. This will provide you with proof that the creditor received your letter.
What are my chances of getting a medical collection removed from my credit report?
The chances of getting a medical collection removed from your credit report vary depending on the creditor and your circumstances. However, if you have a valid reason for not being able to pay your medical bill, you have a good chance of getting the collection removed.
What should I do if my goodwill letter is denied?
If your goodwill letter is denied, you can try the following:
- Contact the creditor and ask them to reconsider their decision.
- File a dispute with the credit reporting agencies.
- Hire a credit repair company to help you remove the medical collection from your credit report.