Free letters
Templates
Demand letters, refund requests, and complaint templates with the exact language that gets a response. Copy, fill in the brackets, and send.
- TemplatesDemand letter template for a refund (copy, fill in the brackets, send)A ready-to-use demand letter for a refund from any company: item not received, service not provided, charged after cancellation, defective product, or a refund they promised and never sent. Cites the applicable rules, sets a 14-day deadline, and reads like it was written by someone who will file. Fill in the brackets and send by certified mail and email.
- TemplatesSecurity deposit demand letter template (landlord missed the deadline or made illegal deductions)A ready-to-send letter to your former landlord demanding the return of your security deposit, citing your state's deadline and itemization requirement, disputing improper deductions like normal wear and tear, and stating the statutory penalty you'll seek in small claims. Fill in the brackets, send by certified mail, wait 14 days, then file.
- TemplatesCredit report dispute letter template (FCRA): copy, fill in the brackets, send by certified mailA ready-to-send dispute letter for Equifax, Experian, or TransUnion that cites the Fair Credit Reporting Act, lists each disputed item with the reason, demands correction or deletion within 30 days, and preserves your right to sue if they don't investigate. Includes the medical-debt and 7-year-rule wording and the bureau mailing addresses.
- TemplatesHospital financial assistance (charity care) request letter templateA ready-to-send letter asking a hospital to apply its financial assistance policy to your bill, citing IRS section 501(r), asking for a hold on collections while it is reviewed, and requesting a refund of anything you already paid above the assistance rate. Fill in the brackets, attach proof of income, send by certified mail and email.
How to use these templates
Each template is a complete letter with the legal references that make a company take it seriously. Replace everything in [brackets] with your details, delete the options that don't apply, and send it.
- Send it the right way. Use certified mail with return receipt when you may need proof later (security deposits, credit report disputes, anything headed to small claims). Also email a copy so the company can respond quickly.
- Attach copies, never originals: receipts, contracts, photos, screenshots, and earlier correspondence.
- Ask for something specific: an exact amount, a deletion, a refund to your card, and give a deadline (usually 14 to 30 days).
- Write down the date you sent it. If the deadline passes, move to the next step: an agency complaint, a chargeback, or small claims court.
These templates are written for common situations. If your case has unusual facts or a large amount of money at stake, read the related guide first, and consider a consumer attorney: in many areas, such as credit reporting and debt collection, they work on contingency or are paid by the other side when you win.