1. In the sample letter, fill in your personal information. See a sample credit dispute letter below.I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. I received a letter via Certified Mail regarding a credit card a few days ago. I'm not sure what to do. The Choose Ohio First Certificates File (CC) is the payment file for COF eligible certificates. This form is a template for an answer to a summons and complaint from a creditor. This form can be used statewide. 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.