If you are asking for forbearance here is some suggested language you should consider with your lawyer

Disclaimer and Caveat: I/we are requesting forbearance simply because you claim to be either a creditor or someone who is authorized to represent a creditor who has paid value for our obligation in exchange for ownership of that obligation and who carries our obligation on their own books and records as an asset receivable. We do not concede or admit to your claims. We don’t waive any defenses. Nor do we waive any statute of limitations. This request is submitted solely for the purpose of asking you to forbear from any attempted enforcement of the obligation, if it exists.

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One Response

  1. Great advice!

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