This letter should clearly state the reasons for rejecting the offer, such as it not providing maximum compensation for the damages incurred. This is a sample letter seeking a reduction in a medical lien.Victims who want to respond to a low settlement demand offer must use factual information, persuasive arguments, and a professional tone. I wish to file an appeal concerning. Take it up a notch and set a deadline for the insurance company to accept your offer in the demand letter. This is a sample letter seeking a reduction in a medical lien. A debt settlement letter is a tool to negotiate with your creditors and settle your debt at a lump sum payment you're comfortable making. Talk to your personal injury lawyer: Consulting with a personal injury attorney before releasing your medical records can be beneficial. You may have a debt in joint names, or want to write to your creditors together because you have worked out a joint budget. These will support your claims about the accident.