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Debt Settlement Counter Offer Letter (Free Sample)
Use this sample debt settlement counter offer letter as a template for your formal counter offer letter.
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Last updated on September 22, 2021 


​Debt Settlement Counter Offer Letter Sample
Sender’s Name
Sender’s Address
City, State, Zip Code

DATE

Name of Lender
Address of Lender
City, State, Zip Code

RE: Counter offer to settle debt for ACCOUNT NUMBER

Dear Creditor’s Name:

This letter is a formal counter offer to settle my debt with your company. I received your settlement offer of AMOUNT on DATE, and appreciate the fact that you are willing to work with me to settle my debt so that I can pay it off.

However, it would be financially difficult for me to pay the amount you offered because my wife is ill and we have lost her income.

​I am requesting that you accept my counter offer of AMOUNT to be paid in one lump sum. I also have several other debts to pay off.

​I have enclosed a copy of her medical report. I request that you remove any late fees and when the amount is paid, and that you remove the debt from my credit report. 


I have enclosed a signed copy of this letter. If you agree with my counter offer, please sign the enclosed copy and return it to me. When I receive it, I will send the full amount of AMOUNT to you within five working days. If you have any questions, I can be reached at Email Address or at Phone Number. 

Thank you for your kind consideration of my counter offer.

Signature of Sender
Printed Name of Sender
List of Enclosures: Signed copy of this letter, copy of wife’s medical records

​By Andre Bradley

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  • Writing an Unable to Pay Debt Letter (with Sample)​​

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