Not sure about how to counter your creditor's debt settlement offer? Download this free Debt Settlement Offer Letter sample.This article provides a template for a debt settlement proposal letter and explains what a debt settlement letter should contain. A debt settlement letter is all you need to negotiate debts with your creditors. It asks you to pay a certain settlement amount to the collection agency. Crafting a debt settlement letter properly can help you get your creditors to accept your proposal. Learn how to write correctly one now. This article will make the process of responding to a debt lawsuit a little bit easier and tell you how to answer a summons for debt collection in Florida. This is a template letter to your creditors requesting that they forgive your debt and write it off for compassionate reasons. See a sample Answer Form for Consumer Credit Transaction.