[header] How to write a settlement proposal [title] Collect all information on your debts and sort it by date. [title] Decide which debt you want to settle and the amount you can pay. [step] You should choose a debt that is long overdue and which the creditor might reasonably expect will not be paid back. 
[title] Decide on a figure for your settlement. [step] In general, a debt settlement should be about half of the total amount owed.