Learn how to write an effective collection dispute letter with our guide and templates. To fill out this letter, clearly write your name and address at the top.Include the date and the collection agency's name and address. 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. You can use the following Cease and Desist letter to debt collectors as a template. If you doubt that you owe a debt, or that the amount owed is not accurate, your best recourse is to send a debt dispute letter to the collection agency. A pay for delete letter is a negotiation tool to have negative information removed from your credit report. I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Rejecting a settlement letter could either lead to further negotiations or to a courtroom trial where you seek a jury award for your losses. Because of this and because of unanticipated changes in the law, the Rural Law Center of New.