I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 1. In the sample letter, fill in your personal information.How to use this sample letter: 1. Read the background below. 2. This article provides a template for a debt settlement proposal letter and explains what a debt settlement letter should contain. All Illinois Courts must accept these forms. Scroll down below the chart for important information on how to fill out these forms. An overview of how to respond to debt collectors and your rights when dealing with them. This letter explains my credit history and why it is currently at (include your current or estimated credit score). Example: Selena falls behind on her credit card payments, and after several months of missed payments, the card company marks the account as a charge-off.