1. In the sample letter, fill in your personal information. See a sample credit dispute letter below.We've created ready-to-use collection letter templates. Read on below to find out what every letter should say in order to collect payment as soon as possible. Our guide will teach you how to write a letter of explanation, plus offers a free template to help you write one of your own. Learn how to write an effective collection dispute letter with our guide and templates. This sample letter explaining credit problems will help you focus your efforts when appealing to a property manager for an apartment. What do you include in a debt collection letter? Below is a sample letter to help you craft your own letter. Send the letter via certified mail and keep the return receipt for your records.