To dispute a debt, you must write a letter to the debt-collection agency within 30 days of their initial contact with you. 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. See a sample Answer Form for Consumer Credit Transaction. This article provides a template for a debt settlement proposal letter and explains what a debt settlement letter should contain. Not sure about how to counter your creditor's debt settlement offer? Download this free Debt Settlement Offer Letter sample. There are many tools to help you collect money or property from the Debtor. Some Courts give you the forms you need. Intheblanks form authorizing a filing agent to efile documents on behalf of an individual attorney.