OPM Sample Letters to Creditors During Furlough Have Been Around At Least Since 2013

The sample letters to creditors issued by OPM is available here.
Or click Sample Letters for Creditors, Mortgage Companies and Landlords (Word file) [85.5 KB]

We understand that the OPM sample letters to creditors during the furlough are actually driving some of our readers “insane.” This blogpost is for you. The first Wayback Machine capture of opm.gov was January 23, 2013. You will note that the website does not include sample letters to creditors. But there was a shutdown on Tuesday, October 1, 2013, which lasted for 16 days. A December 31, 2013 capture of opm.gov includes a longer Furlough Guidance including Sample Letters for Creditors, Mortgage Companies and Landlords (Word file) [49.87 KB]. The four-page document includes a cover page titled, “Sample Letters”, and three temple template letters to creditor, mortgage company, and landlord.

In December 2016, OPM similarly had undated issued a Sample Letters for Creditors, Mortgage Companies and Landlords (Word file) [85.5 KB] online. This document includes basically identical sample letters from 2013. The sample letters issued by OPM on December 27, right to that note about consulting “your personal attorney” is identical to the 2013 and 2016 versions. There were other government shutdowns prior to 2013, but the Wayback Machine does not include any opm.gov archive before 2013. It is possible that these letters existed prior to 2013 and they were just not archived online or they may have been created first in 2013 during the October 2013 shutdown to assist federal employees who encountered problems with creditors, mortgage companies, and landlords during a two-week shutdown. If you were at OPM or OMB and was nerdy enough to follow this in 2013, let us know.

OPM’s current version of the sample letters, although not marked as an update in the OPM website, removed the reference to a “personal attorney” and now just says “Following are sample letters that you may use as a guide when working with your creditors.  OPM is not able to provide legal advice to individual employees.”  This version is still four pages long but, it appears that OPM had also removed the last letter, the “Sample Letter to Landlord” and page 4 is now just an empty page. The Landlord sample letter includes the item about “the possibility of trading my services to perform maintenance (e.g. painting, carpentry work) in exchange for partial rent payments” which garnered a lot of attention on social media.

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