Write in your name, address, and zip code followed by today's date at the top.
Put the collectors name, address, and zip below followed by your account number for reference.
Address the letter to the person most cooperative by phone if you can.
Explain or reiterate your previous debt situation and your current resolutions. List your debt dollar amount and any improvement to ability to pay such as new job or source of income.
Write your proposed debt settlement amount and your terms. Make sure to include maximum amount you are free to pay and only when you recieve letter agreeing to change your credit terms.
Write your name, signature, and current date followed below with your printed name and printed date.