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. Understand your options when the insurance company makes a lowball injury settlement offer, and see a claimant's sample response letter.You can use the following Cease and Desist letter to debt collectors as a template. If you reject a settlement offer, or fail to keep up with a payment arrangement, your creditor might take you to court. Not sure about how to counter your creditor's debt settlement offer? Download this free Debt Settlement Offer Letter sample. Call and say "I'd like to settle this debit for _____. Debt Settlement Letter Templates. This article provides a template for a debt settlement proposal letter and explains what a debt settlement letter should contain. This letter to the attorney is a settlement offer.