Below, we've created an example of a debt settlement proposal letter that you can use as a guide. Your letter can be sent via your preferred contact method.A debt collection letter informs clients about their unpaid bills. This article provides a template for a debt settlement proposal letter and explains what a debt settlement letter should contain. Searching for a debt collection attorney Miami, Florida? Contact the debt collection defense lawyers at McCarthy Law for a free consultation. If your case has been assigned to a collection agency, the Clerk's Office will be able to accept full payment of your outstanding financial obligation. Payoff letter requests are processed on a first-come, first served basis. Florida also has many resources for defendants who are representing themselves in a credit card debt lawsuit. Find out more about the common methods of debt relief used in Florida below. 1.