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. Call and say "I'd like to settle this debit for _____. You have 30 days to respond to a debt lawsuit in California. Inform the creditor that you will not be making payment until you receive an agreement letter to sign and send back. Want to settle your debt? I respectfully request that you provide me with the following: 1. The amount of the debt;. 2.