Arizona consumers can now request one free annual credit report from each of the three major credit reporting companies (Equifax, Experian, and Transunion). First, you need to provide contact information in the top left of the answer form.The court and plaintiff will mail important information to this address. How Do You Fill Out an Answer Form? Offering debt settlement to clients suffering with debt challenges. I am writing to inform you that I disagree with all debts you are collecting on or are placed with your company, in my name. We've put together this helpful guide and dispute letter template to help you get started before deciding if you need more help. The person must also give you the name, address, and telephone number of the credit bureau that provided the consumer report. A 609 letter claims to remove marks from your credit report, but there's no proof it's more effective than other dispute letters. This article provides a template for a debt settlement proposal letter and explains what a debt settlement letter should contain.