Use this letter to help you negotiate a full and final settlement offer with a creditor. This article provides a template for a debt settlement proposal letter and explains what a debt settlement letter should contain.Edit, sign, and share settlement offer with online. No need to install software, just go to DocHub, and sign up instantly and for free. 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. Edit, sign, and share sample counter offer online. Thank you for downloading! Use this letter to help you negotiate a full and final settlement offer with your lender. Use this letter to help you negotiate a full and final settlement offer with your lender.