The Right Words for Life’s Important Letters
Free, ready-to-use templates and plain-English guides for insurance claims, debts, credit disputes, workplace emails and legal letters, written so you know exactly what to say.
Latest Guides & Templates
- Student Loan Hardship Letter: 3 Simple Templates That Get Results
Can’t make your private student loan payment? Here’s how to write a student loan hardship letter that asks for forbearance, lower payments or a rate cut, with 3 templates. - Reasonable Accommodation Request Letter to an Employer (3 Templates)
Need a change at work because of a disability or medical condition? Here’s how to write a reasonable accommodation request letter under the ADA, what to include, and 3 templates. - Letter of Intent to Sue: How to Write One Before Small Claims (3 Templates)
Before you file in small claims court, a letter of intent to sue gives the other side one last chance to pay. Here’s what to include, how to send it, and 3 templates. - IRS Penalty Abatement Letter: First-Time Abate and Reasonable Cause (3 Templates)
Got an IRS penalty for filing or paying late? You may qualify for first-time abatement or reasonable cause relief. Here’s how to ask, with 3 penalty abatement letter templates. - Demand Letter for an Unpaid Final Paycheck or Wages (3 Templates)
Your old employer hasn’t sent your final paycheck or owes you unpaid wages? Here’s how to write a demand letter, where to file a wage claim, and 3 templates. - Letter to Waive a Credit Card Late Fee (4 Templates)
Hit with a late fee? Use our letter to waive a credit card late fee, with 4 copy-ready templates, a phone script and what to do if the answer is no. - Letter to Request a Refund From a Business (5 Templates)
Need your money back? Use this letter to request a refund from a business, with 5 templates, your FTC rights, follow-up steps and what to do if they refuse. - Overdraft Fee Refund Letter to Your Bank (4 Templates)
Charged an overdraft fee? Copy our overdraft fee refund letter, plus a phone script, your opt-in rights, follow-up steps and what to do if the bank says no. - Dental Insurance Appeal Letter for a Denied Claim (4 Templates)
Claim denied? Write a dental insurance appeal letter that answers the actual denial reason. 4 templates, what to attach, deadlines and next steps if it fails.
Browse by Topic
Insurance Letters
Appeals, claims and disputes with insurers.
Money & Debt
Hardship letters and payment plans.
Credit & Banking
Disputes, fee waivers and goodwill letters.
Legal Letters
Demand letters and formal notices.
How We Write Our Guides
Every guide explains when to send a letter, what it must include and how to word it, with a template you can copy. We base our guides on official consumer-protection sources and update them when rules change. Our content is general information, not legal or financial advice. Read our disclaimer.