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You’re Name: ________________
You’re Address: ________________
Your Phone #: _____ _____ _____
Creditors Name: __________________
Creditors Address: _________________
Creditors Phone Number: ________________
In Reference to the account: ____________________
To whom it may concern,
Regarding the account _______________ and account number ________________, this letter is in regard to resolving this debt.
Thank you for taking the time to assist me on this matter. I appreciate you working with me on settling this debt so that I can pay it all off and hopefully avoid bankruptcy.
I am desperately trying to avoid bankruptcy and from having my home foreclosed on. I have many unsecured debts that I can no longer pay on due to my hardship. I have attached my hardship letter.
As of (Date) ___ ___ ___, I am in a position to offer $125.00 towards settling this debt (FIA Card Services, Account Number 1231112123233434, Balance $500). I will require that after satisfying this payment, my account will be reported “Paid in Full”. I also will request that you remove any late payments or charge offs on this account from my credit report once this settlement is paid.
Most of my other creditors have already agreed to settlements. I have a limited amount of money which probably will not be enough to get all of my unsecured debts settled, but I am giving it a shot before I file for bankruptcy. If you do not accept this offer I will use the money to settle one of the other few creditors that I have left.
If your company is willing to accept my offer, then please sign this letter agreeing to my proposal and return a copy to me. As soon as I get back this signed form, I can pay you by cashier’s check or money order and immediately.
Sincerely,
Name: ________________
Date: ________________
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