What letter do I send to find out my balance on a closed or charged off account

I was reading thru your website and it has inspiried me to start working to repair my credit. I do believe i'm at the bottom barrel of credit and am looking to repair damage done within the last 24 months. What letter do I use to request the total balance on an closed account from the original creditor as on my credit report no collection agency is listed.
I would like to pay these accounts either in full or thru payment plans and hopefully reopen the closed credit cards and pay on an repo car.
Please let me know the best way to begin this process.
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just dispute it with the bureaus first
say it is not yours then use the addresses and phone number to call or write for that information
there is not any pat letter
just write what is my balance on account #send a copy of your driver license
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