Creditors refusal of written agreement

Who is the creditor?? Or is it a CA?? There are a few creditors who will not provide a letter until 1st payment is made. These tend to be the same creditors who will sue...so best shot is to make the first payment...or record the call.

A method for settling with original creditors that has proven successful is to set up payment, or first payment when funding with installments, for payment draft a week or more in advance. This will usually allow for the letter to be received via mail (some fax, some don't). If you do not have the letter within 48 hours of funding date, call and demand fax, or funds will not be in the account for the payment.
This does suggest you use a separate bank account for all settlements (a good practice). You must be ready to let a deal go if you do not get documentation in time.
This position will save you a headache you do not want if it can be avoided.

If you are dealing with a debt collector I would highly recommend strict adherence to the above.