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1. Dispute Details: Used when contesting the validity or amount of the debt, including specific reasons for the dispute

2. Verification Request: Used when requesting validation of the debt, including specific documents or information required

3. Payment History: Include when relevant to prove previous payments or settlement attempts

4. Prescription Claim: Used when claiming the debt has prescribed under the Prescription Act

5. Financial Hardship Statement: Include when requesting payment arrangements due to financial difficulties

6. Communication Preferences: Used to specify preferred methods of contact or to request cessation of certain communication methods

1. Proof of Payments: Copies of any relevant payment receipts or bank statements

2. Prior Correspondence: Copies of previous communication with the original creditor or collection agency

3. Supporting Documentation: Any documents that support your position (e.g., proof of identity theft, billing errors)

4. Financial Statement: If requesting a payment arrangement, a summary of income and expenses

5. Power of Attorney: If the response is being made by an authorized representative