How to Draft a Write Off After Death Letter

Stop Debt Collectors How to Draft a Write Off After Death Letter

How to Draft a Write-off After Death Letter

If a spouse or a close relative dies, do you have to pay off their debt? When someone passes on, their money and estates will be used to pay off their debts. However, if you had a joint loan or provided a loan guarantee for the deceased, you would be responsible for paying off their debt. However, if the deceased did not leave behind any assets that can be used to pay off their debts, their creditors should be notified and requested to write off the debts. If you need to write a write off after death letter to the creditors but don't know where to start, DoNotPay can help you.

Should I Write a Notification of Death Letter to Creditors?

Dealing with the death of a person close to you is hard enough as it is. You don't need constant letters and phone calls from creditors demanding debt payment. This makes the entire situation more stressful and frustrating than it should be. To avoid further aggravation here is what you can do:

  1. Contact the creditors and inform them of the individual's death. This should make them back off for a while.
  2. Find out if the deceased left enough assets to pay off the debt. If not, you can now think about requesting them to write off the debt.

How to Get Debt Payment Assistance

If you're the executor of the estate for the deceased, then the responsibility to settle their affairs falls on you. If you need further advice and guidance on how to go about this process, you can seek legal help. Contact a professional legal adviser who can help you figure out the way forward. Here are some valuable contacts that may come in handy:

NamePhone NumberOnline
Cruse Bereavement Care0808 808 1677Cruse Official Website
Death Notification Service0333 2076574Death Notification Service Website
HMRC Deceased estate0300 123 1072Online Portal

How to Write a Write off After Death Letter on Your Own

To get you started on the process of asking creditors to write off the debt of the deceased, we have included a sample to guide you. Insert the relevant details about the account and your request.

[Name of Organization]

[Address Line]

[Postal Code]

[Your Address]

[Postal Code]


Dear Sir/Madam,

[Account No]

I am writing to you regarding the above account, which [enter the name of the deceased], as far as I am aware, has a balance owed [include the exact amount if you can].

[Deceased's name] passed away on [Detail Date]. I will enclose a copy of their death certificate. They, however, did not leave behind any assets or money to pay what they owe your organization. [You could include a paragraph explaining the deceased's situation to prove to the creditor that the deceased did not leave any assets behind to pay off the debt.]

Kindly consider writing off this debt and closing the account. Please write back to inform me of your official decision.

I look forward to hearing from you.

Yours faithfully,

[Your Name]

Get Debt Help With DoNotPay

Dealing with creditors is not an easy endeavour, and no one looks forward to it. However, if a close relative or a spouse dies and the responsibility to deal with creditors and attempt to write off their debt falls on you, you may have no choice but to step up. Luckily, you don't have to do this alone; we're here to help. DoNotPay is familiar with how to handle debt recovery agencies and creditors in general and can help you write a letter to ask for a death write-off after a loved one dies. Here's what you need to do:

  1. Search “debt collection” on DoNotPay.


  2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.


  3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to a professional trade association.


And that's it! Once you choose the course of action you want to take, DoNotPay will handle the rest. We'll deliver your request directly to the debt collectors via first-class mail or file your complaint automatically with the relevant trade association or ombudsman.

DoNotPay Can Help You Deal With Other Debt Recovery Agencies

If you are experiencing difficulties dealing with a debt recovery agency, DoNotPay can help get them off your back. Some of the debt recovery agencies we can help you deal with include:

What Else Can DoNotPay Do?

DoNotPay has more solutions for different problems. We can help you do many things easily, including the following.

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