New York City residents can use this letter to dispute a debt, to verify a debt under NYC law, and to tell a collector to stop contacting them. When you are finished, you can print your completed form.1. In the sample letter, fill in your personal information. This sample letter explaining credit problems will help you focus your efforts when appealing to a property manager for an apartment. Mortgage lenders might request a letter of explanation for various red flags that come up in underwriting. Learn how to write one, and download a template. 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. There may come a time when an employee needs a proof of income letter to secure a loan or rent an apartment. Here's a template and what you should include. If you need to write a proof of income letter, check out these things to know and our template below.