Consumer Law Office of
Robert Stempler, APC


Legal Representation for
Consumers in
California’s Courts

1-888-403-0039

• Collection Harassment
• Motor Vehicle Contracts
• Credit Card Debt
• Medical Collection
• Student Loan Lawsuit
Serving California Consumers
Any client testimonial or other result portrayed on this website was dependent on the facts of that case. Results will differ if based on different facts.
Any client testimonial or other result portrayed on this website was dependent on the facts of that case. Results will differ if based on different facts.
Any client testimonial or other result portrayed on this website was dependent on the facts of that case. Results will differ if based on different facts.

Free Legal Letters - How to Dispute a Debt

This section is for California residents who wish to educate themselves and borrow ideas from our Free Legal Letters page. Letters sometimes stop harassment, but rarely compensate for the harm done by collectors.

The first section is designed to give you writing suggestions. Just click on the triangle before the topic you wish to read and it expands to the explanation or general guideline or writing style.

The Free Sample Legal Letters section will show you example of letter formats that you can borrow from.

The information on this website by the Consumer Law Office of Robert Stempler, APLC is for general information purposes only. Nothing in this section or associated pages, documents, should be taken as legal advice for any individual case or situation. This information on this website is not intended to create, and receipt or viewing of this information does not constitute, an attorney-client relationship.


1. Letters to Debt Collectors
>> 1.1 Dispute and Verify Debt
>> 1.2 Refusal to Pay
>> 1.3 Dispute of a Workers Comp Medical Bill
>> 1.4 Dispute of a Medi-Cal Medical Bill

2. Letters to Sellers and Creditors
>> 2.1 Billing Correction on Credit Cards
>> 2.2 Cosigner Dispute of a Car Contract
>> 2.3 Door-to-Door Sales Cancel Letter
>> 2.4 Spanish Consumer Cancel Letter
>> 2.5 Car Dealer Letter for Misrepresentations

3. Letters to Credit Reporting Agencies
>> 3.1 CRA Reinvestigation Inaccurate Account
>> 3.2 CRA Reinvestigation Obsolete Account
>> 3.3 CRA Post Bankruptcy Discharge

4. Improper Requests of Credit Report
>> 4.1 Improper Requests of Credit Report