Agree To Pay Letters, often referred to as A2Ps, are legal documents that state the individual’s agreement to repay a debt or other obligation. An A2P is typically sent by a lender, bank, or creditor and must be signed and dated by the individual before it is considered valid. The purpose of an A2P is to provide clarity to both parties about the financial obligations surrounding the debt, ensuring that all repayment details and interest rates have been agreed upon. By signing an A2P, the borrower legally agrees to fulfill their financial obligations in full, on time. If they fail to do so, the terms of the A2P allow lenders to take legal action if necessary.