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SAMPLE CONFIRMATION LETTER

Over the years, I've received a quite a number of telephone calls from consumers who have an original written agreement with a person or company, but they orally modify the agreement.  For example, someone has a written agreement with a lender (or creditor), and the debtor and the lender orally agree by telephone to an extension of time to make an installment payment. Later the lender denies that the oral extension was agreed to and seeks to charge a late payment penalty or worse.   To seek to minimize the risk of this injustice occurring or to provide additional evidence that an oral agreement was in fact made, immediately write and mail (plus fax and/or email if possible) a written confirmation letter to the other party stating the terms of your verbal agreement.


Joseph and Mary Doe
123 Redlake Lane 
Costa Mesa, CA  92627  
(949) 123-4567
FAX: (949) 123-9876

SENT VIA FAX, EMAIL AND FIRST CLASS MAIL

August 20, 2007

LENDER COMPANY
456 Seven Hundredth Road
Los Angeles, CA  90010

ATTENTION: JOHN SMITH

Re: Account Number 789-000-123

Dear Mr. Smith:

This letter will confirm our telephone call on August 19,  200 wherein it was agreed that:

1.   *** [State what was agreed]

2.     *** [State what was agreed]

3.    *** [State what was agreed]

If you have any questions please do not hesitate to contact me.

Thank you.

Sincerely,


Mary Doe


NOTE: Remember to make and keep a photocopy of the confirmation letter before you mail the original letter.  Moreover, if you also fax the letter, print out and keep a copy of the fax receipt.

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