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No money to pay creditors - letter

This advice applies to Wales

You can use this letter when you have no money available to offer to your non-priority creditors. You can use the Budgeting tool to work out your budget and to see whether you have money available to pay your non priority creditors.

This template is to be used for guidance and may not suit your specific situation. If you require more detailed advice and guidance, you can get more help.

If you need more help on using this tool, or you want to read about circumstances when you might use it, see Guidelines for using the letter templates.

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