{{OPERATOR_NAME}}
{{OPERATOR_ADDRESS}}
{{OPERATOR_CITY}}, {{OPERATOR_STATE}} {{OPERATOR_ZIP}}

{{TODAY}}

{{CREDITOR}}
{{CREDITOR_ADDRESS}}

**Re: Settlement offer — deletion in exchange for payment (account ending {{ACCOUNT_LAST4}})**

To Whom It May Concern,

I am writing to propose a settlement of the alleged debt referenced below. This is a formal offer to resolve the matter privately, without further correspondence or escalation.

**Account information:**
- Account number (last 4): {{ACCOUNT_LAST4}}
- Original creditor: {{ORIGINAL_CREDITOR}}
- Alleged balance: {{BALANCE}}

**Terms of my offer:**

I offer to pay **{{PFD_OFFER_AMOUNT}}** — representing **{{PFD_PERCENT}}%** of the alleged balance — as full and final settlement of this account, **contingent upon and only if** the following conditions are met in writing before payment:

1. **You agree to delete the tradeline in its entirety** from all three national credit reporting agencies (Experian, Equifax, TransUnion) within thirty (30) days of receipt of payment.
2. You agree to **cease all further collection activity** on this account.
3. You agree that this settlement constitutes **full and final satisfaction** of the debt, and that no residual balance will be reported, sold, or transferred to any other party.
4. You provide the above agreement in writing, signed by an authorized representative of your organization, on your company letterhead, prior to my sending payment.

**Payment terms:**
- Payment will be made by cashier's check or money order only (I will not provide banking information or authorize ACH debit).
- Payment will be made within seven (7) business days of my receipt of your signed agreement.
- I will retain a copy of your signed agreement in my records permanently.

**If this offer is accepted:**
Send your signed acceptance to the address at the top of this letter. Upon receipt of your signed agreement, I will process payment and expect deletion within thirty (30) days.

**If this offer is declined:**
Simply do not respond, or respond in writing. This offer expires thirty (30) days from the date at the top of this letter. Absence of a signed agreement voids the offer entirely; no partial performance or verbal representation from your representatives shall be binding.

This offer is made in good faith and without any admission of liability. I dispute the validity of this alleged debt and reserve all rights and defenses.

Sincerely,

_______________________
{{OPERATOR_NAME}}

**IMPORTANT — this offer is a settlement negotiation subject to Federal Rules of Evidence 408 and is not admissible as evidence of liability.**
