how to

I wouldn't say it's wrong, but it certainly looks and sounds awkward. You might use "How would you say . . . " or "How would one say . . . "

Thank you, but how about when a person is speaking, and this person has to gain time for thinking? Is it correct to say 'How to say?' without a main verb? Here the situation is different from what could be dealt with by "How would you say . . . " or "How would one say . . . " I think the normal way is 'How do I put it', etc. but is 'How to say?' correct?