Unsolicited Offer Letter - Sample 1

[Your Name]
[Your Address]
[City, State ZIP Code]
[Date]

[Creditor/Collection Agency Name]
[Address]
[City, State ZIP Code]

RE: Settlement Proposal - Account #[ACCOUNT NUMBER]

Dear Sir/Madam:

I am writing to make an unsolicited settlement offer for the outstanding balance on account number [ACCOUNT NUMBER]. I recognize my obligation and am prepared to resolve this debt at a reduced amount.

Current Account Status:

Original Creditor: [Creditor Name]
Account Number: [Account Number]
Current Balance: $[Amount]
Current Status: [Status]

Settlement Proposal:

I am prepared to make a full and final settlement of this account for the amount of $[SETTLEMENT AMOUNT], which represents [PERCENTAGE]% of the current balance.

Payment Details:

I am prepared to pay this settlement amount as follows:

• Payment Method: [Check/Money Order/Bank Transfer]
• Payment Timeline: [Within X days of written agreement]
• Proof of Payment: Will be provided via [certified mail/email]

Conditions:

I require that this settlement agreement include the following conditions:

• This is a final and complete settlement of the account
• The account will be marked as "Settled in Full" on credit reports
• No further collection action will be taken
• Any negative entries will be removed from credit reporting agencies

This offer is valid for 30 days from the date of this letter. Please respond in writing with your acceptance of this settlement proposal.

Sincerely,

[Your Name]
[Your Signature]