Date: _

To: _ (Creditor)

We are in receipt of your statements indicating a balance
due you of $_.

We dispute the debt for the following reason(s):
(Describe)

_

Without admitting to any liability, but as an offer of
compromise, we propose to settle this account in full by
payment of $_. Our check in that amount is enclosed and
deposit of the check shall discharge the entire balance
claimed.

Very truly,

_____________________________