Sample Letter Rejecting Settlement Offer With Debt Collector In Texas
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Your answer should include the court name, case name, case number, and your affirmative defenses. Print three copies of your answer. File one with the clerk's office and mail (or “serve”) one to the plaintiff or plaintiff's attorney. The plaintiff is the debt collector, creditor, or law firm suing you.
Summary: If you're being sued for debt in Texas, you have 14 days to respond to the Summons and Petition in justice court (20 days if your case is in the district court). To respond, you must file an Answer in which you address each claim against you and assert your affirmative defenses.
name of claims adjuster, I received your letter dated date of written settlement offer. I have reviewed your letter very carefully, including your settlement offer. Unfortunately, I cannot accept your offer for the reasons discussed below.
Summary: If you're being sued for debt in Texas, you have 14 days to respond to the Summons and Petition in justice court (20 days if your case is in the district court). To respond, you must file an Answer in which you address each claim against you and assert your affirmative defenses.
I am responding to your contact about a debt you are attempting to collect. You contacted me by phone/mail, on date. You identified the debt as any information they gave you about the debt. Please stop all communication with me and with this address about this debt.
Always reject a settlement offer in writing. Type a letter to your contact at the insurance company listing the reasons you think that their offer is too low. Back up these reasons with concrete evidence attached to the letter. Finally, provide a counteroffer of a sum you think is more reasonable.
This letter should clearly state the reasons for rejecting the offer, such as it not providing maximum compensation for the damages incurred. Provide specific reasons for your rejection, highlighting the damages and losses not covered by the proposed settlement.
If you find the offer unacceptable, your attorney can draft a formal letter and propose a counteroffer. This letter should clearly state that the initial offer is unacceptable and refute any inaccuracies in the insurance adjuster's statements.
However, refusing a settlement offer does extend the life of your claim and delays when you receive compensation. If you have pressing medical bills or other expenses, this is a factor to consider. You'll also need to invest more time and energy into your case, including providing more documentation of your damages.
