Use this letter to help you negotiate a full and final settlement offer with your lender. Use this letter to help you negotiate a full and final settlement offer with a creditor.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. This article provides a template for a debt settlement proposal letter and explains what a debt settlement letter should contain. Your letter might be 20-30 pages long if your claim is complex. 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. Intheblanks form authorizing a filing agent to efile documents on behalf of an individual attorney. Application for the Court to Request Counsel -- habeas corpus case.