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<Your Name><Your Address><Your Telephone><Date><Collector’s Name><Collector’s Address>Dear Sir/Madam,Re: <Account Number>I’m writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts I’ve acquired. However, I still have limited resources and may only be able to pay back some of what I owe.With that in mind, I would like to propose to settle this debt for $<amount proposed>. In return, I request that your company remove this collection account from my credit report.If your company is willing to accept this offer, please prepare a settlement agreement, sign it and send it to me. Once I receive my signed copy of our agreement, I will pay the amount listed above as agreed.Sincerely,<Your signature><Print your name> ................
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