You can at anytime approach your lenders and try to settle your debts.

I'm trying to settle my debts on my own but don't know how to approach and write a debt settlement letter. Can I get any kind of help here?

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You can at anytime approach your lenders and try to settle your debts. However, doing it on your own might be a bit difficult as creditors often overlook such proposals from debtors' part. You can find a sample debt settlement letter from the link given below:

http://www.ovlg.com/letters/unsolicited-debt-settlement-offer.html
 

Hope this helps!


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