Todd Long

I help everyday consumers put things in writing — and get results. As the founder of FormalLetterTemplates.com, I build plain-language letter templates that let people exercise rights federal law already gives them: validating a debt, disputing a credit-report error, challenging an unauthorized bank charge, requesting an ADA workplace accommodation, or giving a landlord proper notice. No attorney, no fees — just the right words, sent the right way. My focus is the gap between "you have a right" and "here's exactly what to send." I can speak to how consumer-protection statutes (FDCPA, FCRA, FCBA, Regulation E, ADA) translate into a letter an ordinary person can actually mail, why written notice beats a phone call, and the small procedural steps — certified mail, deadlines, documentation...