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.This article provides a template for a debt settlement proposal letter and explains what a debt settlement letter should contain. When drafting a debt settlement letter, you'll want to include basic information, including your name and account number. Use this letter to help you negotiate a full and final settlement offer with your lender. Thank you for downloading! A debt validation letter is a written communication that a consumer sends to a debt collector or creditor to request verification and validation of a debt. Demand outstanding payment or action with our easy and customizable Demand Letter. Print or download your letter for free in minutes. You may have a debt in joint names, or want to write to your creditors together because you have worked out a joint budget.