Here's a quick summary of the steps you and your attorney will follow when responding to a low settlement offer. We recommend that you reject the offer in writing rather than over the phone.Send a Dispute Letter to Your Card Company. Edit, sign, and share letter to decline offer online. No need to install software, just go to DocHub, and sign up instantly and for free. The Attorney General has developed this website to provide information about mortgages and foreclosures in Georgia.