To dispute an invalid debt use this disputing debt sample letter. If you've fallen behind on your bills, especially credit cards, don't panic.Want to settle your debt? If a creditor has refused your offer of payment then you can use the Reconsider my pro-rata offer sample letter to ask them to reconsider. This article will explain how to handle debt settlement on your own and how to write the best debt settlement letter possible. Here is a quick template for those looking to send a settlement offer to a collection agency or Pay for Delete. Crafting a debt settlement letter properly can help you get your creditors to accept your proposal. Learn how to write correctly one now. I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. A debt settlement letter is all you need to negotiate debts with your creditors.