A debt settlement letter contains a proposal offer that will hopefully open the door to negotiate a fair and reasonable debt settlement. Rejecting a settlement letter could either lead to further negotiations or to a courtroom trial where you seek a jury award for your losses.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. Upon rejecting an initial settlement offer, the next step involves drafting and presenting a counteroffer. Your counteroffer likely demands a higher sum. In Florida, a proposal for settlement must be in writing and must state that it is being made pursuant to Florida Statute 768.79. We examined 288,846 civil cases that were filed in a sample of 52 districts. 617.1908 Applicability of Florida Business Corporation Act. Judge Carroll discussed the Okaloosa County Clerk of Court's proposal to move court records to a cloudbased environment.