What to include in the Harris demand letter? They are based in Chicago.Use this letter to help you negotiate a full and final settlement offer with a creditor. In this department you can obtain a copy of a Probate Court document. The following five free online resources provide useful information for drafting a demand letter. These resources are provided as legal information only. It's a solicitation letter from that law firm. It is a boilerplate letter they send out. I can confirm that I am unable to offer to pay in full what I owe. And I want to offer this as an ex-gratia payment in full and final settlement of the account.