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.You can use this letter to tell a debt collector that you receive income from Social Security or VA benefits. How to use this letter: Read the background below. What information should be included in my paidinfull letter? If you ever need to prove that a debt is fully paid and can no longer be collected, then a paidinfull letter can be your best friend. To do so, send a letter to the debt collector asking for an explanation in writing. We'll walk you through how to put together a debt settlement letter that gets to the point and shows your creditors you're serious about sorting things out. I received a letter with my name and address from a collections company saying their trying to collect a debt I owe to a telecommunications company. You have 30 days to respond to a debt lawsuit in California.