Question: can you help me write a settlement offer to a creditor based on the facts that I had surgery and was out without pay for

can you help me write a settlement offer to a creditor based on the facts that I had surgery and was out without pay for 4 months and fell behind on all my bills. would like to settle my with 60% paid in full within 60 days of this letter., for a paid in full positive credit rating from the creditors company

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