If your lender agrees to settle a debt for less than you owe, you'll need a written agreement of the terms. Below, we've created an example of a debt settlement proposal letter that you can use as a guide.Your letter can be sent via your preferred contact method. Use this letter to help you negotiate a full and final settlement offer with a creditor. Use this online tool from Lone Star Legal Aid to file an answer in a debt collection lawsuit in Justice court. To respond, you must file an Answer in which you address each claim against you and assert your affirmative defenses. RELIEF: Plaintiff seeks damages in the amount of. Not sure about how to counter your creditor's debt settlement offer? Download this free Debt Settlement Offer Letter sample. Here is a quick template for those looking to send a settlement offer to a collection agency or Pay for Delete. DATE.