Will collection agencies send you a settlement letter BEFORE … By About Cash Flow Editor | 24 October, 2009 - 10:10 pm |30 November, -0001 Uncategorized Structured Settlements. Settlement Information. Â« Has a bill collector ever given you 5-12 years to pay a settlement offer on a charged off debt? How do you feel about the debt settlement companys?? Â» … More: continued here Bookmark the permalink.