What information should be included in my paidinfull letter? The Consumer Financial Protection Bureau offers sample letters the debtor can use to dispute a debt.Have you recently settled a debt and are searching for a paid in full letter? Good news, we've got two free sample form letters below. A pay for delete letter is a negotiation tool to have negative information removed from your credit report. Make checks or money orders payable to OSDC. In the memo section, write your account number and name of the debtor. Includes letter samples, templates, tutorials and guides to help you collect from debtors. Use this letter to help you negotiate a full and final settlement offer with your lender. You may need discipline to save up and negotiate frankly with creditors and debt collectors, but it is doable.