The court has placed the most commonly used forms on line as a resource. Please be advised that the forms detailed below are intended to be a guide.Here is a quick template for those looking to send a settlement offer to a collection agency or Pay for Delete. A debt settlement letter contains a proposal offer that will hopefully open the door to negotiate a fair and reasonable debt settlement. To dispute a debt, you must write a letter to the debt-collection agency within 30 days of their initial contact with you. 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. The Civil Court form has a list of defenses that you can check off if they apply to you. Read below to learn more about what defenses to say in your answer.