Your debt settlement proposal letter must be formal and clearly state your intentions and what you expect from your creditors. This article provides a template for a debt settlement proposal letter and explains what a debt settlement letter should contain.This letter should explain how much you're offering toward the debt and why you can't afford to pay in full. You can find instructions and two template debt settlement letter templates below. Below is a list of forms that you may download for free from our website. This article will make the process of responding to a debt lawsuit a little bit easier and tell you how to answer a summons for debt collection in Florida. Our West Palm Beach debt settlement attorneys won't just push you into bankruptcy. Rather, we provide you with options and solutions to deal with debt. It typically takes three to four years to complete. A pedestrian covers himself in a large Hello Kitty blanket as wind gusts from 35 mph to 50 mph hit across Tucson on Wednesday.