To enforce your rights under these laws you should: 1. Fill out copies of the attached form letter for each creditor or collection agency that is bothering you.I demand that you send me a copy of my updated credit report showing the elimination of the items, which I disputed on the attached letters. The EFS application does not permit the attachment or submission of documents which are NOT in pdf format. This sample letter explaining credit problems will help you focus your efforts when appealing to a property manager for an apartment. A Cover Letter must accompany the listing of loans whether the pledging institution is defined as in-scope or out-of-scope. Do not indicate "See Attached Letter. In Philadelphia, the Family Court Division of the Court of Common Pleas hears matters involving adoption, custody of minors, and birth records.