You can fill in the appropriate information and mail this to the debt collection agency harassing you. Sample Cease and Desist Letter: Insert date.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. A pay for delete letter is a negotiation tool to have negative information removed from your credit report. Request to begin debt settlement negotiations. If the collection agency or creditor rejects your offer, don't lose hope. How to use this sample letter: 1. Read the background below. 2. Use this letter to help you negotiate a full and final settlement offer with a creditor. Pursuant to the Fair Debt Collection Practices Act, Section 809(b), Validating.