1. Mention the letter is one debating a credit.
  2. Give a good reason for discussing the credit.
  3. Request the company to reset your record.


[Senders Name]
[Address line]
[State, ZIP Code]

[Letter Date]

[Recipients Name]
[Address line]
[State, ZIP Code]

[Subject: Normally bold, summarizes the intention of the letter] -Optional-

Dear [Recipients Name],

I am writing to dispute the letter of credit sent to me on 17th March 2016.

My husband took the credit and now that he has gone bankrupt, we are not in a position to make this payment. We have a family to support and our children's education is already taking away all our savings.

Please do consider our condition and being a small amount, I request you to reset our records.


[Senders Name]
[Senders Title] -Optional-

[Enclosures: number] - Optional -
cc: [Name of copy recipient] - Optional -