You can use the following Cease and Desist letter to debt collectors as a template. 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.Request to begin debt settlement negotiations. If the collection agency or creditor rejects your offer, don't lose hope. Below is a sample, fillintheblank letter that you can use as a guide for disputing a debt with a collector. How to use this sample letter: 1. Read the background below. 2. A pay for delete letter is a negotiation tool to have negative information removed from your credit report. If you reject a settlement offer, or fail to keep up with a payment arrangement, your creditor might take you to court. Use this letter to help you negotiate a full and final settlement offer with a creditor.