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PLEASE POST THE BEST SETTLEMENT OFFER WITH STIPULATIONS YOU HAVE HERE. If possible, it should be complete, and not just ideas like 'include a release'. We need suggested verbage for a complete settlement letter. Thanks.

I will start a thread about it, as well, to get as much interest as possible.

notagain xxheartxx

Dear Creditor

It has been a pleasure working with you & I thank you for working with me on this. As you are aware, over a year ago I suffered a few setbacks that severely impacted me financially. To the effect that it has led this account to being in state that is in. Unfortunately it has left me with little resources to satisfy this account and a host of other creditors that I am in the same position with.

Going forward, I feel obligated to your company and want to make in effort to settle this for $__ dollars as payment in full. In addition, any references to late payment or charge off regarding this account are removed from my credit file.

If these terms are acceptable to your company, please sign below and return a copy to me. Upon receipt of this acknowledged agreement, I will express you a money order in the amount stated above.

Read, Approved and Accepted by:________________ Date:_____


Your name

this is one of the sample letters you can buy here,, cost 8.95 ( no instructions)

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