The letter must outline your complaint, the harm you suffered, and how you want the problem resolved. This is called a 30 Day Demand Letter.To apply for a estate recovery hardship waiver, please review and complete the appropriate application form for your circumstances below. Additional Resources. The debt recovery process is lengthy. It all begins with a demand letter. This article provides a template for a debt settlement proposal letter and explains what a debt settlement letter should contain. This guide offers tips on how to draft a debt collection letter and when you should send one. Its important to include information like: whos involved - the name and address of both you and the person who owes you money. Fill out the form below or call us today at 844MASSLAW to receive a free and confidential initial consultation with a callback.