This article will explain how to handle debt settlement on your own and how to write the best debt settlement letter possible. If a creditor has refused your offer of payment then you can use the Reconsider my pro-rata offer sample letter to ask them to reconsider.The template below can help you write your own pay for delete letter. Simply update the bolded portions with your own information. If you reject a settlement offer, or fail to keep up with a payment arrangement, your creditor might take you to court. Want to settle your debt? Use this letter to help you negotiate a full and final settlement offer with a creditor. This article provides a template for a debt settlement proposal letter and explains what a debt settlement letter should contain. You have 30 days from the date of the rejection letter to request an offer in compromise appeal. Check out the sample letter below.