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• Ask non-priority creditors to write off a debt - joint letter

  Letter for when you can't make an offer of repayment on a joint debt and your circumstances are not going to improve

• Ask non-priority creditors to write off a debt - letter

  Letter for when you can't make an offer of repayment and your circumstances are not going to improve

• No money to pay non-priority creditors - letter

  Letter for when you have no money available to offer to your non-priority creditors

• Make an offer to non-priority creditors - letter

  Letter for when you have some money available to offer your non-priority creditors

• Ask non-priority creditors to hold off - holding letter

  Letter to ask creditors to hold off for a short period while you make a plan to pay your debts or get advice.

• Ask non-priority creditors to hold off - joint holding letter

  You can use this letter to ask creditors to hold off for a short period while you work out your budget or get advice. This template is to be used for guidance.

• Backdated water bills

  What is likely to happen if water companies pursue households for the payment of water bills if they have not been paid in the past for whatever reason and what you can do about

• Make an offer to non-priority creditors - joint letter

  Joint letter template to offer money to non-priority creditors. Use this letter when you have some money available and need assistance putting it in writing