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Debt Settlement Letter By Collection Agency
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Debt Settlement Letter to Recovery Solutions Group*

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You arrive home one day after an exhausting day of work to find a letter in the mailbox from Recovery Solutions Group. The letter requests full payment for an outstanding personal loan you took out years ago.

A combination of factors forced you to stop making payments on the personal loan account, but that does not matter to a debt collection agency like Recovery Solutions Group. The third party debt collector wants you to pay off the personal loan and the company wants the money now.

Consumers have several options to consider before making a decision on how to deal with a bill collector. They can dispute the validity of an alleged delinquent credit card or personal loan debt or invoke the statute limitations in the state where they live.

A third option involves sending a debt settlement proposal to a debt collection agency in the form of a letter crafted by a licensed consumer protection lawyer. Not only does a debt settlement letter start you on the path to wiping the debt slate clean, it can also improve your credit score by removing the financial blemish from your credit report.

Why You Should Work with a Lawyer

Writing a persuasive debt settlement letter requires the legal expertise of an experienced consume protection lawyer. Your lawyer will submit a proposal that fits within your budget, as well as negotiate a settlement that makes the most financial sense for Recovery Services Group.

Consumers that negotiate debt settlement agreements often fail to achieve the optimal negotiating goal. An accomplished consumer protection lawyer will level the legal playing field against the lawyers hired by Recovery Solutions Group.

By using a consumer protection lawyer, you ensure you receive all the legal rights written into the ground breaking Fair Debt Collection Practices Act (FDCPA).

The monumental federal consumer protection law forbids the implementation of deceptive debt collection tactics, such as impersonating a law enforcement agency or claiming that owing money on a consumer credit account constitutes the grounds for imprisonment.

The FDCPA allows consumers to file lawsuits in civil court to seek compensation for actual damages, as well as the payment of lawyer fees.

Debt Settlement Letter to Recovery Solutions Group*

Example of a Debt Settlement Letter for Recovery Solutions Group

Although there is not one way to write a compelling debt settlement letter, your FDCPA lawyer will closely follow a template that achieves positive results.


Debt collection agency contact information

Name and number of credit account

To whom it may concern:

I recently received a letter from your debt collection agency requesting I pay off an outstanding Visa credit card account. A copy of your letter is attached to the back of this letter.

Since I cannot afford to pay off the entire amount of the Visa account balance, I propose a debt settlement that is half of what I owe on the balance. After thoroughly examining my personal finances, my FDCPA lawyer has advised me to ask for a monthly payment plan of $250 until the debt settlement amount is paid off.

If you agree to my debt settlement proposal, please sign and date this letter and return it to the address listed below.


Your name and address


Do not send Recovery Solutions Group any money until you receive a signed and dated return letter. Moreover, send the letter via certified mail to ensure the debt collection agency received your debt settlement proposal.

Speak with a consumer protection lawyer today to learn more about how to write a debt settlement letter and receive all the legal protections granted by the FDCPA.

Additional Resources

*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Recovery Solutions Group or any other third-party collection agency, you may not be entitled to any compensation.

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