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Debt Negotiation Guide:
Stage OneContact Creditors
Stage Two
Prioritise Creditors
Stage Three
Financial Statement
Stage Four
Make Offers
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Writing to Creditors:
Templates For Letters To Your Creditors
Struggling With Debt? Apply For Debt Help Now By Completing The Online Form At The Bottom Of This Page (UK Only)
Please refer to Stage Four of the Debt Negotiation Guide for details of how to use these free sample letters to creditors.
See Also:
Recommended Debt Management Companies
Advice On How To Negotiate Debt Settlements
Advice On Using Debt Settlement Companies
These letter templates are part of the method described in the Debt Negotiation Guide for dealing with debt without borrowing more money or using other professional services. If you prefer to let experienced debt advisors work on your behalf rather than doing it yourself, You should look at the pages on Debt Settlement, Debt Management Plans and IVAs.
The Debt Negotiation Guide explains the other things you need to do in order to begin to tackle your debt problems. When you send these letters to your creditors you will need to include with the letters a Financial Statement that you have prepared. A guide to how to prepare this and a template form for a Personal Financial Statement can be found on the Personal Financial Statement page.
When you look at the Debt Negotiation Guide you will see that you need to split your creditors into two groups, so there are two template letters below, one for each group of creditors. These are your Priority Creditors and your Secondary Creditors. When you write to both groups you need to include your Financial Statement, and this is so that they can see what your situation is in black and white and know that you do not have the money to meet your normal payments.
The easiest way to use the free sample letters to creditors is to copy and paste them info Microsoft Word or similar word processing programme. That will then enable you to add your own details and amend the letter to suit your own needs.
Free Sample Letters To Creditors:
A: Letter making offer to priority creditors
Send this letter, along with a list of all your Priority Creditors, and your up to date Personal Financial Statement:
Your Address
Date
Creditor name
Creditor address
Dear Sir/Madam
Account number/agreement number, etc
I wrote to you recently to explain that I am currently experiencing financial difficulties due to...
I enclose a financial statement which gives details of my current situation, showing all my income and expenditure and my other Priority Creditors.
I am sure you will understand from my financial statement that I am not in a position to meet my obligations in full, so I am making offers to each of my priority creditors. I am therefore able to offer you £... per week/month.
I do hope this is acceptable, and if you could confirm your agreement to this offer in writing I can begin payments immediately. Please also advise me of the method and due date for such payments.
I look forward to your favourable reply,
Yours sincerely,
Free Sample Letters To Creditors:
B: Letter making offer to Secondary Creditors
Send this letter, along with a list showing the payments you plan to make to your Secondary Creditors, and your up to date
Personal Financial Statement:
Your Address
Date
Creditor name
Creditor address
Dear Sir/Madam
Account number/agreement number, etc
I wrote to you recently to explain that I am currently experiencing financial difficulties due to...
I enclose a copy of my financial statement, which includes payment of arrears to my priority creditors. I also include a schedule of all my secondary creditors, from which you will see that my available money has been apportioned on a pro-rata basis.
I am writing to ask that you accept an offer of £... Per week/month and stop interest of other charges accruing so that these payments will begin to reduce the debt.
I do hope this is acceptable, and if you could confirm your agreement to this offer in writing I can begin payments immediately. Please also advise me of the method and due date for such payments.
I look forward to your favourable reply,
Yours sincerely,
If you prefer more detailed guidance on the process of how to negotiate with creditors to write off a large part of your debts, please refer to the page on how to Learn Debt Negotiation
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