Guide on using sample letters to creditors.
Letter to ask creditors to hold off for a short period while you work out your budget or get advice.
Letter for when you have some money available to offer your non-priority creditors.
Letter for when you have no money available to offer to your non-priority creditors.
Letter for when you can't make an offer of repayment and your circumstances are not going to improve.
Letter to end a hire purchase or conditional sale agreement. You might need to do this if you can't afford the payments any more.