Learn how to write an effective collection dispute letter with our guide and templates. 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. 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. How to use this sample letter: 1. Read the background below. 2. If the collection agency or creditor rejects your offer, don't lose hope. If you reject a settlement offer, or fail to keep up with a payment arrangement, your creditor might take you to court. Want to settle your debt? This template should be used to make a counteroffer if a debt collector has already sent you a settlement proposal.