See our template letters and leaflets
Budget Sheet: Before you do anything make sure that you have your budget sheet ready as this needs to be sent to your creditors when discussing any debts:
1. Offer payment to creditors: Use this letter to make an initial offer of payment to your creditors based on your available income:
Offer payment to creditors [docx] 18KB
2. Freeze interest letter: Use this letter when a creditor refuses to freeze the interest or additional charges on your account:
Freeze interest letter [docx] 18KB
3. Reconsider my offer letter: Use this letter when a creditor has refused your initial offer of payment:
Reconsider my offer letter [docx] 18KB
4. Continue accepting my offer letter: Use this letter if your situation has not improved to ask your creditors to keep accepting your current payment offer:
Continue accepting my offer letter [docx] 18KB
5. Write off the debt letter: Use this letter to ask your creditors if they would consider writing off your debt:
Get more advice on money matters
Take a look at our leaflet to get more advice on money matters: