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. To dispute an invalid debt use this disputing debt sample letter.If you've fallen behind on your bills, especially credit cards, don't panic. The first step in a debt settlement negotiation with a bank, credit card company, or collection agency is to confirm the debt belongs to you. Here's everything you need to know about drafting and filing an Answer to a credit card debt lawsuit, with sample Answers included. Use this letter to help you negotiate a full and final settlement offer with a creditor. A debt settlement letter is all you need to negotiate debts with your creditors. It asks you to pay a certain settlement amount to the collection agency. If you reject a settlement offer, or fail to keep up with a payment arrangement, your creditor might take you to court. A pay for delete letter is a negotiation tool to have negative information removed from your credit report.