You can use the following Cease and Desist letter to debt collectors as a template. Learn how to write an effective collection dispute letter with our guide and templates.Below is a sample, fillintheblank letter that you can use as a guide for disputing a debt with a collector. You have 30 days to respond to a debt lawsuit in California. 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. Not sure about how to counter your creditor's debt settlement offer? Download this free Debt Settlement Offer Letter sample. A good debt settlement letter should be concise, thorough, and convincing enough to get a creditor to agree to your terms. Payroll Tax Seminars: The EDD offers no-cost seminars to help employers comply with state payroll tax laws.