Free Templates
Free MCA Debt Templates
Copy-and-customize templates for common MCA debt situations. Written in plain language, no signup required.
MCA Hardship Letter Template
Request reduced daily or weekly payments before you default. Plain language, customizable, with guidance on what to attach.
Use template →MCA Settlement Letter Template
Formal settlement offer for negotiating a reduced lump sum payoff. Includes negotiation framing and documentation requests.
Use template →MCA COJ Defense Response Template (NY CPLR 5015)
Motion-to-vacate outline for defending against a pre-2019 Confession of Judgment entered in New York. Educational only, not legal advice.
Use template →Important
These templates are educational. They are not legal advice and do not create an attorney-client relationship. If you have been served with a lawsuit, have been threatened with bank account freeze, or are in immediate default, consult an attorney before sending anything. See our MCA Attorney Complete Guide.