SoloSuit

I have received a letter from a debt collector on behalf of a insurance company. I've been sending them a letter I received from the FDCPA site but I realized its not technically a debt as its a tort liability technically but I do not have enough answers to come to any conclusion on the price tag put on it so I cannot affirm it is mine as there are no contracts or agreements between me and any of the other parties. I am trying to get a letter from solo suit to send them a letter to try to negotiate before it goes to court but also letting them know I will declare bankruptcy if its proven by the court that it is my debt. I am offering them 30% of the debt at the moment as it is quite large (over $50,000). Does anyone have any templates or any advice on how much I should offer while letting them know if it goes to court an they win I will declare bankruptcy?

also how can I get a settlement letter from solo suit pre lawsuit?

I was thinking of offering 30%* but I see the standard for these third tier debt collectors is 10-20% which would save a lot of money for me as I do not have much income at the moment but I have a little savings.. I haven't made an offer yet, I have only asked for debt verification but they only sent me some receipts which is not enough info and they are demanding I send them the money now as well or as their paper states "will file a lawsuit contingent upon applicable state law"

I received a motion to claim exempt property, 

Can you refer where I can get help with paperwork?