Once you establish what your income and outgoings are, you will want to come up with a realistic repayment proposal to present to your lender. If you are in priority debt, i.e. debt which can result in the loss of your home or imprisonment, you will need to redirect any disposable income to clear this debt first.

Any disposable income that’s left after your priority creditors are paid off, may be re-directed to non-priority creditors. To start negotiating with your non-priority creditors, you can use the sample letter below.

Please fill in the fields below and hit GENERATE LETTER to create a letter for printing (or copying into a word processor).

Visitors who are using assistive technology, such as screen readers may prefer to download the blank form letter now as a Word document.