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".