Debt letter templates have a bad rep in general, and it’s mostly from the organisations that realise they have to defend themselves from the contents. They mistakenly think that the easiest way to do this is to try and discredit the letter – rather than address the content.

Debt Ninjas letter templates are solid. Tested and tweaked over many years, they’re pretty powerful and drive straight to the heart of the matter, and are difficult to respond to – which is exactly their purpose.

Every business in the world uses templates at some level – because it’s easier and more streamlined to contact clients with the same letter, if it begins as a template. Nearly every communication from the bank (or DCA) is template based – so their making a point of ours being a template is a dead-giveaway that they’re in a bit of a pickle regarding how to respond.

Much of what’s said in Debt Ninjas templates is necessary and has a point (sometimes with legal basis – sometimes not), so whilst they’re freely available to change around to suit your purpose, please resist removing sections you don’t understand or feel aren’t appropriate. It’s been a long time getting to this point and they work. You will know exactly how well they work when the respondent throws their toys out of the pram and replies saying ‘this is a template letter’ and doesn’t say much else.

Adjust them to fit your situation – full details of how to use them are in the workbooks ‘The Title is Unimportant’ and ‘The Big Stick‘. By using and reading these templates you’ll quickly learn how the game works, and will likely go on to applying this knowledge to various other aspects of your life.

The templates are drafted as word docs for ease of editing and are free to anyone who has purchased the workbooks. Simply send us an email with your proof of purchase (just a photograph with the book in hand will do) and we’ll email them straight to you.