This article provides a template for a debt settlement proposal letter and explains what a debt settlement letter should contain. How to understand City of Philadelphia judgment and lien numbers in order to submit a payoff request.Information about programs to help Philadelphia residents and businesses with their taxes and water bills. Income-based programs for residents. Monthly payment plans are available for outstanding parking tickets, past-due red light camera violations, and past-due speed camera violations. A debt validation letter is a written communication that a consumer sends to a debt collector or creditor to request verification and validation of a debt. Your debt settlement proposal letter must be formal and clearly state your intentions and what you expect from your creditors. To make a debt settlement agreement, you should identify your debt owner, negotiate a settlement, and formalize the agreement in writing with all details. To Pay Payment Plans Online, please follow these directions: Enter Defendant's Name. Enter the Installment Plan number in the box provided (up to 9 characters).