Include your name, address, and the date you sent the letter. Complaint sample. PDF.Complaint fill in. PDF. This article provides a template for a debt settlement proposal letter and explains what a debt settlement letter should contain. Use this letter to help you negotiate a full and final settlement offer with a creditor. 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 your lender. Use this letter to help you negotiate a full and final settlement offer with a creditor.