You must complete this form and bring it and all supporting evidence to your Mandatory Settlement Conference. Settlement Payments.This article provides a template for a debt settlement proposal letter and explains what a debt settlement letter should contain. The FTC says a debt collection operation in Charlotte, NC pretended to be lawyers. Really, they were not lawyers and had no authority to collect debts. Due to financial difficulties, I am unable to pay the outstanding balance in full. To do so, write "NTE" on the memo line with a designated amount. Once the correct fee is established, our office will fill in the amount on the check. Do you know how to find out if you are a beneficiary on a bank account?