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• 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.

• 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.

• No money to pay non-priority creditors - joint letter

  Joint letter template for when you have no money available to offer to your non-priority creditors. This template is to be used for guidance

• 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

• If you used to get tax credits

  Check what you can do now tax credits have ended - for example, claiming other benefits, challenging a decision and making sure your final payment is correct

• 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