Use Debt Settlement Letters To Get Rid of Debt

Counter offer to creditor for debt settlement especially if you have more creditors in line
 
Creditor Name
Creditor Address
 
Dear Creditor,
Re: Account number
 
This letter is aimed at making a counter offer to the settlement offer made between me and your customer service representative, on <date>.
 
I appreciate your company's willingness to work with me in settling this debt.
 

In Re: Your name & Account #
 
Dear Collection Manager:
 
It has come to my attention through the credit bureaus that you claim I owe a debt to your agency. I can save us both some effort & time by "Settling the debt out".