Greg Said:

I have a question about a pay for delete letter?

We Answered:

First...pay for deletes won't work with defaulted/charged-off credit card debts...these stay for 7 years. Collection agencies can only remove what they report...the original creditor will continue to report the charge-off and this stays.

You may be able to negotiate the complete removal of non credit card debts like defaulted cell, medical, utility bills etc. from your credit report with a Pay for Delete agreement. This is a written agreement where you get a signed agreement from the debt collector (PRIOR to making any payment) where they offer to remove the negative items from your credit files after an agreed-to amount is paid. They will NOT want to do this....all they want is your money and their commission and they could not care less about your credit rating....Still, you have something they want (money) and that puts you in a position to negotiate on this issue. Example letter to send to collection agency:

I am willing to resolve this issue if your firm sends me a written agreement that you will remove all negative notations from my credit report after the agreed-to amount is paid to you. Upon receipt of this letter I will mail you a USPS money order for this amount.
----------------------------------
Again, they are not going to want to do this...if they simply refuse to remove it, then you want to negotiate that they will update your credit report to "Paid in Full.”

Get all terms of any settlement deals IN WRITING FIRST, then you pay. Never accept verbal promises over the phone...they'll promise you anything over the phone to get your money then they'll deny that any agreement was ever made once they have your money. Pay only via USPS money order. Photocopy and keep in your permanent records. Never, ever give them your checking account numbers for payment.

Gail Said:

how do i get free coupons or samples of products?

We Answered:

http://usaveahead.blogspot.com/search/la…

the list of freebies and samples

enjoy!

Edwin Said:

Tips on writing a thank you/commendation letter.?

We Answered:

You really don't need to look at any sample letters, just write down how you really feel.

Some topics you can touch on:
-Write about the comfort you and your family felt knowing that your grandmother was in such good hands.
-Tell them that you are gratefull that they were available to make the last years of your grandmother's life pleasant.
-Tell them you appreciated their professionalism and courtesy.
-If there were any nurses or workers who were especially helpful, then mention them by name.
-Are there any children in your family? Then you can have them do a nice drawing and then have them write "thank you for taking care of my (Great Grandma, Auntie ect.)" Send that along with your letter.

Also, remember that a handwritten letter is much more personal, so no computers. Another thing to remember, the letter does not have to be long, a simple and to-the-point letter will be effective as long as you are writing from your heart.

Allan Said:

Cover & Thank You letter samples...?

We Answered:

First and foremost you should NEVER use a generic resume and cover letter. or thank you letter Always tailor each and every resume, cover letter and thank you letter to each job. Some jobs you may want to highlight certain things that other jobs may not need to know. A tailored resume and cv letter stand out better.
After saying that these sites may be of help to you:
http://www.resume-resource.com/examples.…
http://www.distinctiveweb.com/samples.ht…
http://www.bestsampleresume.com/
http://www.careercc.com/resumpr.shtml
http://www.libraryonline.com/thank_you_l…

Terri Said:

Are there any free sites that will give me more than just some sample letters of recommendation?

We Answered:

I am a teacher and have been asked to write many letter of recommendation. The first time I was asked to do this I sought help from an experienced English teacher. He gave me a copy of a letter that he had written to use as a guide. It helped a lot.

Most of the info that you find on line gives advice to students about asking for a letter, but not to teachers who have to write them. Below is a list of some things that should be included. Hope this helps; ask a fellow teacher for help.

Recommendation letters are documents that tell the reader about the unique strengths and assets you have to offer the company or school. A recommendation is only beneficial if it is very positive.
A poor or average recommendation does not help and can even hinder your chances of entering the
program or obtaining the position you are seeking.

Ideally, this should include:
•A Resume or Curriculum Vitae (CV) (list the sports and other extra curricular activities that they are involved in. Tell how they are an asset to the community)
•Colleges/Universities attended (or things that they have done within the high school such as tutoring)
•Majors (interests if this is high school)
•GPA
•Professional, volunteer, internship and research experience
•Projects you have worked on
•Presentations you have given
•Awards and/or scholarship information
•Career/future goals
•Memberships/professional affiliations
•Hobbies/extracurricular activities
•Type of job/internship or graduate school/continuing education program for which you are applying