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    Here is a sample letter to settle debt:

    [Your Name] [Your Address] [City, State, Zip Code] [Email Address] [Phone Number] [Date] [Creditor's Name] [Creditor's Address] [City, State, Zip Code] Dear [Creditor's Name], I am writing to propose a settlement for my outstanding debt of [amount owed]. Due to [brief explanation of your financial situation], I am unable to pay the full amount. I would like to offer a one-time payment of [settlement amount] as a settlement in full for this debt. If you agree to this settlement, I request that you provide a written confirmation stating that the remaining balance will be forgiven and that this account will be reported as paid to the credit bureaus. Thank you for considering my offer. I look forward to your prompt response. Sincerely, [Your Name]

    For more examples and templates, you can refer to Doctemplates.net and eForms for additional guidance on structuring your letter.
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