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.I can confirm that I am unable to offer to pay in full what I owe. And I want to offer this as an ex-gratia payment in full and final settlement of the account. 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. We can provide you with samples of court forms that are available. We can provide you with guidance on how to fill out forms. If you were awarded a judgment in civil court, you are a judgment creditor. Below is a numerical list of the Probate Court forms available to the public.