• Get Debt Relief For Credit Cards,
    Medical Bills, Other Unsecured
    Debt And Tax Debt Today.

  • Get Debt Relief For Credit Cards,
    Medical Bills, Other Unsecured
    Debt And Tax Debt Today.
  • Get A Free Savings Estimate

    877-850-3328

    9am to 9pm Monday - Friday EST
    10am to 3pm Saturday EST


Sample Settlement Letters

Sample Settlement Letters

Each year CuraDebt’s in-house negotiations team reaches thousands of settlements with creditors. Settlements are negotiated based on the funds that our clients have available to reach either a lump sum or in some cases installments on the settlement amounts.

Please keep in mind that future results are not guaranteed, but experience of over 14 years gives CuraDebt more experience than most any other company in the industry. Our goal of saving you the most money as quickly as possible is based on your ability to stick to the program and ensure that funds are available for settlement.

Below are a few sample settlement letters out of the many thousands of agreements that are reached each year. If you have a different creditor and would like to see a sample settlement letter from that creditor, please feel free to request a prior sample settlement letter (with all confidential information blacked out) with that creditor from your CuraDebt counselor.

Clicking on each of the sample settlement letters below will show you the actual letters sent to us from the creditors. Both client and creditor information has been blacked out to protect both parties’ privacy.

2015 Settlement Letter Examples

Bank of America
Debt Settlement Letter
$4,100.00 paid on balance of $8,392.60
51% Savings.
Citibank
Debt Settlement Letter
$503.43 paid on balance of $1,678.07
70% Savings.
Comenity Bank
Debt Settlement Letter
$607,17 paid on balance of $1,214.34
50% Savings.
Navy Federal
Debt Settlement Letter
$931,60 paid on balance of $3,105.34
70% Savings.
First Federal Credit Union
Debt Settlement Letter
$6,000.00 paid on balance of $16,190.75
63% Savings.
HSBC Bank USA
Debt Settlement Letter
$1,985.79 paid on balance of $4,964.49
60% Savings.
Synchrony Bank
Debt Settlement Letter
$2,275.00 paid on balance of $4,548.22
50% Savings.
Citibank
Debt Settlement Letter
$2,236.00 paid on balance of $6,385.74
65% Savings.
Patelco Credit Union
Debt Settlement Letter
$2,704.17 paid on balance of $5,408.35
50% Savings.
State Farm Bank
Debt Settlement Letter
$1,488.85 paid on balance of $2,977.69
50% Savings.
Citibank
Debt Settlement Letter
$944.00 paid on balance of $2,695.67
65% Savings.

2014 Settlement Letter Examples

Chase Bank USA
Debt Settlement Letter
$1,800.00 paid on balance of $4,854.12
62% Savings.
FIA Card Services
Debt Settlement Letter
$4,000.00 paid on balance of $8,646.10
53% Savings.
Bank of America
Debt Settlement Letter
$5,197.00 paid on balance of $12,991.12
60% Savings.
Citibank
Debt Settlement Letter
$1,536.00 paid on balance of $3,839.93
60% Savings.
Citibank
Debt Settlement Letter
$1,632.00 paid on balance of $6,530.79
75% Savings.
Discover Bank
Debt Settlement Letter
$2,967.00 paid on balance of $7,279.66
59% Savings.
Elan Financial Services
Debt Settlement Letter
$2,827.98 paid on balance of $7,441.94
62% Savings.
Synchrony Bank
Debt Settlement Letter
$1,299.00 paid on balance of $3,246.01
60% Savings.
Barclays Bank Delaware
Debt Settlement Letter
$1,837.00 paid on balance of $5,247.31
65% Savings.
U.S. Bank National Association
Debt Settlement Letter
$3,320.00 paid on balance of $8,298.77
60% Savings.
Ge Capital Retail Bank
Debt Settlement Letter
$1,063.95 paid on balance of $2,127,64
50% Savings.
Wells Fargo
Debt Settlement Letter
$1,020.48 paid on balance of $2,040,90
50% Savings.

2013 Settlement Letter Examples

HSBC
Debt Settlement Letter
$1,683.00 paid on balance of $3,376.96
50% Savings.
Wells Fargo
Debt Settlement Letter
$2,090.00 paid on balance of $5,224.68
60% Savings.
Citi Bank
Debt Settlement Letter
$1,160.00 paid on balance of $2,321.29
50% Savings.
Wells Fargo
Debt Settlement Letter
$2,569.93 paid on balance of $5,710.95
55% Savings.
Bank of America
Debt Settlement Letter
$4,455.00 paid on balance of $11,136.80
60% Savings.
Capital One Bank
Debt Settlement Letter
$3,247.95 paid on balance of $6,495.89
50% Savings.
Citi Bank
Debt Settlement Letter
$5,256.00 paid on balance of $14,986.75
65% Savings.
Barclays Bank
Debt Settlement Letter
$5,725.00 paid on balance of $12,720.42
55% Savings.
Bank Of America
Debt Settlement Letter
$3,420.00 paid on balance of $15,376.71
77% Savings.
Chase Bank
Debt Settlement Letter
$2,347.02 paid on balance of $5,867.54
50% Savings.
Comenity Bank
Debt Settlement Letter
$470,29 paid on balance of $940.57
50% Savings.

2012 Settlement Letter Examples

American Express
Debt Settlement Letter
$530.00 paid on balance of $1,174.88
55% Savings.
Capital One
Debt Settlement Letter
$2,818.44 paid on balance of $5,636.63
50% Savings.
Chase Bank
Debt Settlement Letter
$7,875.00 paid on balance of $19,706.19
60% Savings.
Citi Bank
Debt Settlement Letter
$9,499.32 paid on balance of $21,117.90
55% Savings.
Barclays Bank
Debt Settlement Letter
$1,361.00 paid on balance of $3,400.67
60% Savings.
Fifth Third Bank
Debt Settlement Letter
$3,560.00 paid on balance of $10,017.09
65% Savings.
HSBC Bank
Debt Settlement Letter
$431.53 paid on balance of $1,078.83
60% Savings.
US Bank
Debt Settlement Letter
$2,261.92 paid on balance of $9,046.48
75% Savings.
Barclays Bank
Debt Settlement Letter
$4,217.00 paid on balance of $12,047.00
65% Savings.
Nordstrom Bank
Debt Settlement Letter
$2,334.35 paid on balance of $4,668.54
50% Savings.
US Bank
Debt Settlement Letter
$5,530.00 paid on balance of $18,140.76
70% Savings.

2011 Settlement Letter Examples

Chase Bank
Debt Settlement Letter
$1.741.97 paid on balance of $17,419.71
90% Savings.
Bank Of America
Debt Settlement Letter
$2200.00 paid on balance of $10,459.10
79% Savings.
First Bankcard Of Omaha
Debt Settlement Letter
$4200.00 paid on balance of $15,639.80
73.15% Savings.
Capital One
Debt Settlement Letter
$4,705.00 paid on balance of $18,817.63
75% Savings.
Chase Bank
Debt Settlement Letter
$1,627.00 paid on balance of $6,506.75
75% Savings.
Bank of America
Debt Settlement Letter
$578 paid on balance of $3,846.02
85% Savings.
Bank of America
Debt Settlement Letter
$4,302.00 paid on balance of $21,987.90
80.53% Savings.
Chase Bank
Debt Settlement Letter
$732.00 paid on balance of $3,453.34
79.80% Savings.

2010 Settlement Letter Examples

Discover Negotiation Letter$3,724.20 paid on balance of $12,413.99
70% Savings.
FIA Cards Negotiation Letter$1,989 paid on balance of $9,949.67
70% Savings.
Juniper Master Card Negotiation Letter$3,234 paid on balance of $12,935.53
75% Savings.
Barclays Bank Delaware Negotiation Letter$1,700 paid on balance of $5,421.45
70% Savings.
Walmart Negotiation Letter$1,734.40 paid on balance of $4,335.97
60% Savings.
Wells Fargo Negotiation Letter$1,398.50 paid on balance of $4,661.66
70% Savings.

2009 Settlement Letter Examples

American Express
Debt Negotiation Letter
$1,360.71 paid on balance of $6,803.53
92% Savings.
American Express
Debt Negotiation Letter
$3,500 paid on balance of $28,434.60
88% Savings.
Chase Bank
Debt Negotiation Letter
$2,316.96 paid on balance of $11,584.82
80% Savings.
Citi Bank
Debt Negotiation Letter
$2,200.60 paid on balance of $11,021,30
80% Savings.
FIA Cards
Debt Negotiation Letter
$2,420.00 paid on balance of $12,043.62
80% Savings.
HSBC Bank
Debt Negotiation Letter
$1,770.00 paid on balance of $8,851.87
80% Savings.

2008 Settlement Letter Examples

Chase Bank
Debt Negotiation Letter
$3,303.00 paid on balance of $7,339.72
55% Savings.
NCO Financial System INC
Debt Negotiation Letter
$2,228.23 paid on balance of $7,427.43
70% Savings.
NCO Financial System INC
Debt Negotiation Letter
$1,518.25 paid on balance of $5,270.82
70% Savings.
Bank of America
Debt Negotiation Letter
$4,292.00 paid on balance of $21,461.72.
80% Savings.
Chase Bank
Debt Negotiation Letter
$4,334.00 paid on balance of $9,737.66
56% Savings.
Bank Of America
Debt Negotiation Letter
$3,800.00 paid on balance of $10,798.91
65% Savings.
Neuheisel Law Firm
Debt Negotiation Letter
$2,230.89 paid on balance of $5,577.23
60% Savings.
FIA Card Services
Debt Negotiation Letter
$2,200.00 paid on balance of $10,940.78.
80% Savings.
Sun Trust
Debt Negotiation Letter
$1,775.47 paid on balance of $9,762.77
82% Savings.
HSBC Bank
Debt Negotiation Letter
$1,715.00 paid on balance of $3,813.38
56% Savings.
Bank Of America
Debt Negotiation Letter
$1,400.00 paid on balance of $8,710.21
84% Savings.
Bank Of America
Debt Negotiation Letter
$1,400.00 paid on balance of $8,710.21
84% Savings.
HFC Group
Debt Negotiation Letter
$1,974.00 paid on balance of $4,270.41
55% Savings.
Bank Of America
Debt Negotiation Letter
$2,000.00 paid on balance of $8,522.82
77% Savings.
Bronson & Migiaccio
Debt Negotiation Letter
$3,722.00 paid on balance of $9,672.99.
62% Savings.
GE Money Bank
Debt Negotiation Letter
30% paid on balance of $714.29.
70% Savings.
Central Credit Services Inc
Debt Negotiation Letter
$5,167.98 paid on balance of $11,794.09
56% Savings.
Chase Bank
Debt Negotiation Letter
$1,700.00 paid on balance of $4,291.00
60% Savings.
Chase Bank
Debt Negotiation Letter
$2,629.00 paid on balance of $6,571.94
60% Savings.
Encore
Debt Negotiation Letter
$330.00 paid on balance of $938.93
65% Savings.
HSBC Bank
Debt Negotiation Letter
$310.00 paid on balance of $600.00.
49% Savings.
Wells Fargo Financial
Debt Negotiation Letter
$771.48 paid on balance of $1,542.95
50% Savings.
Wells Fargo Financial
Debt Negotiation Letter
$2,479.00 paid on balance of $4,957.43
50% Savings.
FMA Alliance LTD.
Debt Negotiation Letter
$4,011.02 paid on balance of $10,027.54
60% Savings.
FMA Alliance LTD.
Debt Negotiation Letter
$4,300.00 paid on balance of $14,355.46
71% Savings.
Washington Mutual
Debt Negotiation Letter
$1,149.92 paid on balance of $2,555.37
55% Savings.
Wells Fargo Financial
Debt Negotiation Letter
$513.37 paid on balance of $1,026.75
50% Savings.

2007 Settlement Letter Examples

Associated Recovery System
Debt Negotiation Letter
$567.81 paid on balance of $1,216.81
55% Savings.
NCO Financial System INC.
Debt Negotiation Letter
$3,741.55 paid on balance of $9,353.87
60% Savings.
FIA Card Services
Debt Negotiation Letter
$5,404.20 paid on balance of $18,013.83
70% Savings.
Bank of America
Debt Negotiation Letter
$8,100.00 paid on balance of $46,116.70
82% Savings.
Washington Mutual
Debt Negotiation Letter
$2,113.32 paid on balance of $6,037.63
65% Savings.
American Express
Debt Negotiation Letter
$10,339.67 paid on balance of $2,300.00
78% Savings.
Washington Mutual
Debt Negotiation Letter
$2,260.00 paid on balance of $6,454.11
65% Savings.
Weltman, Weinberg & Reis Co., LPA
Debt Negotiation Letter
$2,136.41 paid on balance of $7,144.43
71% Savings.
Branch Banking & Trust CO.
Debt Negotiation Letter
$9,000.00 paid on balance of $25,387.31
65% Savings.
First Source Advantage, LLC
Debt Negotiation Letter
$679.38 paid on balance of $272.00
60% Savings.
Central Credit Services, INC
Debt Negotiation Letter
$2,500.00 paid on balance of $5,478.45
55% Savings.
Central Credit Services, INC
Debt Negotiation Letter
$4,200.00 paid on balance of $11,064.52
63% Savings.
FIA Card Services
Debt Negotiation Letter
$4,000.00 paid on balance of $10,565.00
63% Savings.
Bank Of America
Debt Negotiation Letter
$11,000.00 paid on balance of $35,558.50
68% Savings.
Chase Bank
Debt Negotiation Letter
$2,427.00 paid on balance of $5,234.00
54% Savings.
Encore
Debt Negotiation Letter
$6,220.00 paid on balance of $17,770.81
65% Savings.
Bank of America
Debt Negotiation Letter
$2,154.86 paid on balance of $6,156.77
65% Savings.
Bank Of America
Debt Negotiation Letter
Balance for this account is of $11,317.66 settled for $4,000
65% Savings.
United Recovery System, LP
Debt Negotiation Letter
$4,200.00 paid on balance of $12,889.02
68% Savings.
Chase Bank
Debt Negotiation Letter
$8,508.00 paid on balance of $19,113.86
56% Savings.
American Express
Debt Negotiation Letter
$4,200.00 paid on balance of $17,019.67
76% Savings.
Wells Fargo Financial
Debt Negotiation Letter
$1,200.00 paid on balance of $5,766.59
80% Savings.
Wells Fargo Financial
Debt Negotiation Letter
$452.20 paid on balance of $2,361.44
81% Savings.

2006 Settlement Letter Examples

National Group
Debt Settlement Letter
$1.962.00 paid on balance of $4.263.41
54% Savings.
American Express
Debt Settlement Letter
$6.500.00 paid on balance of $21.655.31
70% Savings.
Arrow Principal Services
Debt Settlement Letter
$400 paid on balance of $1.089.
64% Savings.
US Bank Letter Of Debt Negotiation$1,200 paid in installments over 3 months on balance of $3,242.33
63% Savings.
Bank Of America Debt Reduction Letter$1245.00 paid on balance of $4140.47
70% Savings.
American Express
Debt Settlement Letter
$6.000 paid on balance of $16.658.76
64% Savings.
Discover
Debt Settlement Letter
$2,241 paid on balance of $6,401
68% Savings.
Peoples Bank
Debt Settlement Letter
$5,409.48 paid on balance of $13,554.64
60% Savings.
Bank Of America debt negotiation
Debt Settlement Letter
$3,909 paid on balance of $11,170
65% Savings.
MBNA America
Debt Negotiation Letter
$1,920.00 paid on balance of $9,513.18 with payments over 3 months.
80% Savings.

2005 Settlement Letter Examples

Bank Of America
Debt Negotiation Letter
$2,108.63 paid on balance of $7,028.75
70% Savings.
Discover
Debt Settlement Letter
$3,647.37 paid on balance of $7,294.73
50% Savings.
Chase Bank
Debt Negotiation Letter
$18,114.56 paid on balance of $40,254.57
55% Savings.
Capital One
Debt Settlement Letter
$8.451.72 paid on balance of $24.147.76.
65% Savings.
Bank of America
Debt Settlement Letter
$6.711.60 paid on balance of $16.489.14
60% Savings.
Bank of One
Debt Settlement Letter
$7.200.00 paid on balance of $20.575.45.
65% Savings.
MBNA
Debt Settlement Letter
$3.185.00 paid on balance of $9.093.63.
65% Savings.
Best Buy
Debt Settlement Letter
$1.685.11 paid on balance of $5.617.05.
70% Savings.
Bank One
Debt Settlement Letter
$4.226.00 paid on balance of $11.119.65.
62% Savings.
Fleet Bank
Debt Settlement Letter
$2.155.60 paid on balance of $6.220.14
65% Savings.
Discover
Debt Settlement Letter
$4.901.50 paid on balance of $10.892.22
55% Savings.
Bank One
Debt Settlement Letter
$5.395.50 paid on balance of $12.545.22.
57% Savings.

2004 Settlement Letter Examples

First USA
Debt Settlement Letter
$8,540 paid on balance of $21,349.30 with payments over 4 months.
60% Savings.
Direct Merchants Bank
Debt Negotiation Letter
$3,600 paid on balance of $8,997.97 with payments over 3 months
60% Savings.
American General Savings Letter$755 paid on balance of $1,888.32
60% Savings.
Peoples Bank
Debt Settlement Letter
$5,409.48 paid on balance of $13,554.64
60% Savings.
American Express
Debt Negotiation Letter
$7,625.96 paid on balance of $19,553.76
61% Savings.
Bank One
Debt Settlement Letter
$4,647 paid on balance of $11,617.68
60% Savings.
Collection Agency Savings Letter$2,885.94 paid on balance of $9,619.81
70% Savings.
Direct Merchants Debt Settlement Letter$2,500 paid on balance of $11,710
78% Savings.
Chase Bank
Debt Negotiation Letter
$3,300 paid on balance of $13,203.18
75% Savings.

2003 Settlement Letter Examples

Citibank
Debt Negotiation Letter
1 installment of $169.09 paid on balance of $1,280.98
87% Savings.
Capital One
Debt Negotiation Letter
1 payment of $232 paid on balance of $770.08
70% Savings.
Household
Debt Settlement Letter
$1,012.80 paid on balance of $3,379.36
70% Savings.
Chase
Debt Settlement Letter
$612 paid on balance of $2,039
70% Savings.
Providian
Debt Negotiation Letter
$701.00 paid on balance of $1,754.03
60% savings.
Collection Agency Debt Settlement Letter$14,890.75 paid on balance of $59,563.59
75% savings.
US Bank
Debt Negotiation Letter
$1,200 paid in installments over 3 months on balance of $3,242.33
63% Savings.
Juniper
Debt Settlement Letter
$1,545.00 paid in installments over 6 months on balance of $5,146.21
70% Savings.
Direct Merchants Bank
Debt Settlement Letter
$762.00 paid in installments over 6months on balance of $1,897.64.
60% Savings with payments over 6 months.

2002 Settlement Letter Examples

Discover
Debt Settlement Letter
$2,241.00 paid on balance of $6,401.96
65% Savings.
First National Bank Omaha
Debt Settlement Letter
$2972.00 paid on balance of $5,943.00
50% Savings.
American Express
Debt Settlement Letter
$10,614.00 paid on balance of $34,718.00
69% Savings.
Citibank
Debt Settlement Letter
$6,500.00 paid on balance of $13,092.89
50% Savings.
Citibank
Debt Settlement Letter
$487.21 paid on balance of $1218.03
60% Savings.
Discover
Debt Settlement Letter
$2,551.00 paid on balance of $8,503.44
70% Savings.
First USA
Debt Settlement Letter
$3,995 paid on balance of $13,316
70% Savings.
First USA
Debt Settlement Letter
$1,668 paid in installments over 4 months on balance of $5,333.76
69% Savings with payments over 4 months.
Chase
Debt Settlement Letter
Installments of $116 and $2,263 to settle on balance of $6,799.49
65% Savings with payments over 2 months.
Citibank
Debt Settlement Letter
3 installments of $494.38 paid on balance of $3,707.87
60% Savings with payments over 3 months.
Household
Debt Settlement Letter
$1,722.52 paid on balance of $3,131.85
65% Savings with potential payments of up to 6 months.
Merrick Bank
Debt Settlement Letter
3 installments of $613.34 paid on balance of $3,630
50% Savings with payments over 3 months.

2001 Settlement Letter Examples

Chase
Debt Settlement Letter
$3,500.00 paid on balance of $32,288.69
89% Savings.
Capital One (Direct Merchants)
Debt Settlement Letter
$2,300.00 paid on balance of $7,867.23
71% Savings.
Household Credit
Debt Settlement Letter
$7,000.00 paid on balance of $36,133.73
81% Savings.
Household
Debt Settlement Letter
$10,000 paid on balance of $36,007
72% Savings.

2000 Settlement Letter Examples

American Express
Debt Settlement Letter
$5,520.58 paid on balance of $13,801.44
60% Savings.
Bank of America
Debt Settlement Letter
$3,909 paid on balance of $11,170
65% Savings.
Chase
Debt Settlement Letter
$3,830 paid on balance of $11,085
65% Savings.
Discover
Debt Settlement Letter
$6,904 paid on balance of $21,471
68% Savings.
First USA
Debt Settlement Letter
$4,696 paid on balance of $16,128
71% Savings.
First USA
Debt Settlement Letter
$2,721 paid on balance of $9,070
70% Savings.
Wells Fargo
Debt Settlement Letter
$4,840 paid on balance of $13,882
65% Savings.

1998 Settlement Letter Examples

USAA
Debt Settlement Letter
$2,393.21 paid on balance of $5,983.02
60% Savings.