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.Use this letter to help you negotiate a full and final settlement offer with your lender. This article provides a template for a debt settlement proposal letter and explains what a debt settlement letter should contain. Find Local Rules and Forms that provide procedures and guidelines for courts in Mecklenburg County. Use this letter to help you negotiate a full and final settlement offer with a creditor. Here is a quick template for those looking to send a settlement offer to a collection agency or Pay for Delete. In the sample complaint form, note the choices of boxes the plaintiff may use. You can check a box and fill in the information on the line next to the box. Due to financial difficulties, I am unable to pay the outstanding balance in full.