What address for the creditor should I use for my offer?

The best address to send your offer letter to is the correspondence address on the creditor’s statement or collection letter.  Oftentimes, collection letters and statement have 2 addresses – one for payments and one for correspondence.  Your letter will be processed more quickly if sent to the correspondence address.  Usually the correspondence address is a physical street address and the payment address is a PO Box.   An example of correspondence versus payment address is shown below for your reference.

If you cannot find a specific correspondence address on the statement or collection letter, that is okay.  Just look for the addressed more predominately displayed on the collection letter or statement and use that one.  If you can’t find the creditor’s address, you can call the creditor to ask for their correspondence address.  Just be cautious; it is likely that the collector will try to engage you in conversation about your debt and your ability to pay.  Keep the conversation short and simple.  Should the collector try to speak about your debt, just tell them you cannot speak about this matter at this time and would like to communicate by mail instead.