What Should a Debt Defense Letter Say?

A debt defense letter should say who you are, why you are writing, and what to do next, in plain words and in under a page. The reader has just been sued and may be anxious, so clarity matters more than persuasion. This is a content checklist, not legal advice.

What should the letter include?

• Who you are: your name, firm, and that you are an attorney.
• Why you are writing: that a lawsuit was filed in a Utah court, which is public record.
• What it means for them: that a lawsuit usually has a response deadline, which you can explain on a call. Do not state a deadline for their specific case; you do not know their service date.
• One next step: a phone number and a time you can be reached.

What should it avoid?

• Promises about outcomes. Under Utah's current advertising rule, communications must not be false or misleading; see what governs direct mail to defendants now.
• Pressure or fear language. The same rule bars coercion or harassment of a prospective client.
• Legal conclusions about their debt.

How long should it be?

One page is enough. Put the phone number at the top and again at the bottom. See how to design a good mailer for layout.

How do you send it?

With Revenue Spark, upload the letter once and it is mailed to each new lead; see direct mail for debt defense attorneys. Leads are $0.50 each; see pricing.

For the copywriting research behind this, and how to test your own versions, see how to write an effective letter for your law firm.