Letter Form 115-3
Letter Forms for When You Know the Imposter

There are three ITRC Letter Forms for “When You Know the Imposter.”

• Letter Form 115-1: A Letter from the Victim to the Credit Issuer when the imposter will not cooperate.
   
• Letter Form 115-2: A Letter to be written by the Imposter accepting responsibility for accounts or charges.
   
• Letter Form 115-3:   A Letter to be used when both parties privately reach an agreement with each other to resolve the case.

These Forms are suggestions only and should not take the place of forms or letters provided by your attorney, law enforcement, or creditors.   Letters should be mailed certified, return receipt requested.

Please DO NOT send any letter forms or documents to the ITRC as we cannot clear the fraud for you.

Form Letter 115-3:   To be used when the imposter and victim privately reach an agreement with each other.   The following are suggestions only.   This form will need to be adjusted to reflect your agreements.   Remember, if you pay the debt, even if the imposter helps you, the negative information on your credit report remains in your name.

I, _______________________________(name of imposter), admit that I made charges

in the name of ________________________(name of victim) for ____________(insert dollar amount).

I hereby agree to repay this debt in the following way:

The total amount I will repay is: $___________.

I agree to make monthly payments of  $________   by the 15^th of each month for a

total of ____months to _______________ (Creditor at specific address).

I will provide the following collateral to the victim until payment in full is made:

___________________________________________________________ __________.
(If it is possible to get a few valuables to secure payment that would provide motivation.)

I acknowledge that this debt will be transferred to my name and I will indemnify the victim for any payments or out of pocket costs he/she has made as a result of this use of his/her credit.

I assume full responsibility for this debt and will sign a letter asking the creditor to transfer this account to name, Social Security number and address and that this account be reflected on my credit profile with the major credit reporting agencies.

I hereby agree to enter into emotional counseling or a mental health program, ______________ (name of program), for ___________ (how often, how long).   (Options include but are not limited to: AA, residential substance abuse programs, gamblers anonymous, private therapy.)

I hereby agree that I will provide ______________________ (name of victim) proof of my attendance of program listed above.   (AA and other programs have forms that get signed each time they attend.)

I hereby acknowledge that this is a legally binding agreement that is enforceable in a court of law and know that any breach of this agreement is subject to the laws of this state.

________________________________
Signature of victim

I declare under penalty of perjury that this declaration is true and correct to the best of my knowledge.

________________________________          ____________
Signature of imposter                                   date signed

Knowingly submitting false information on this affidavit could subject you to criminal prosecution for perjury.    (Have this form notarized.)