Sample Notices, Demand Letters

This is an initial letter from the consumer’s attorney to a dealership in a lemon law case informing the dealership of the representation and asking for the voluntary submission of certain documents.

The Fair Credit Billing Act provides credit card holders with certain rights to dispute a credit card charge.  Other Truth in Lending provisions may provide additional rights.  This is a sample letter to a card issuer disputing credit card charges.

This is a sample TILA rescission notice in a foreclosure rescue scam case. TILA requires only a bare bones letter, which does not need to have as much explanation as this letter. The Rescission Model Forms in TILA Regulation Z are very short, merely stating "I wish to cancel," and signed and dated by the consumer.  In the case of a foreclosure rescue scam, however, it is probably best to give the scammer some explanation as to why the sale is in fact a loan covered by TILA.

This rescission letter is quite detailed. Truth in Lending does not require this type of completeness-- the Rescission Model Forms in TILA Regulation Z are very short, merely stating "I wish to cancel," and signed and dated by the consumer.  But such a letter may be used if it is believed it will lead to a quicker and more beneficial settlement of the case—that it is best to present to the creditor the consumer's case in as much detail and as persuasively as possible as early as possible. This letter was drafted in 1993 and may rely upon outdated caselaw.

TILA requires only a bare bones letter, which does not need to have as much explanation as this sample rescission letter. The Rescission Model Forms in TILA Regulation Z are very short, merely stating "I wish to cancel," and signed and dated by the consumer.  However, the practitioner may include the specific violations for strategic reasons.

This is a sample short TILA rescission notice that lists specific violations. TILA requires only a bare bones letter, which does not need to have as much explanation as this letter. The Rescission Model Forms in TILA Regulation Z are shorter still, merely stating "I wish to cancel," and signed and dated by the consumer. However, the practitioner may include the specific violations for strategic reasons. This version does so and includes additional text that is recommended when specific violations are alleged.

The Uniform Commercial Code allows consumers to deduct certain amounts from the outstanding balance on a sales transaction, and this is a sample letter notifying the creditor that the consumer is deducting damages from the amount due and setting forth additional information.