Free letter templates for directors and individuals dealing with creditor pressure. Each template covers a specific situation — choose the one that matches where you are, adapt it to your circumstances, and send it directly to your creditor or debt collector.

Debt Negotiation and Repayment

I cannot afford to repay my debt
Template for writing to creditors when repayment is not possible
Request a reduced monthly payment
Ask a creditor to accept a lower payment amount
Write off my debt
Request that a creditor considers writing off the outstanding balance
Hold action on my account
Ask a creditor to pause collection activity while you seek advice
Cease trading letter template
Formal notice to creditors that the company has ceased trading

Disputing and Challenging Debts

I have no knowledge of this debt
Template for challenging a debt you do not recognise
I need more information about this debt
Request a creditor provide documentation before you respond
Tell a debt collector to stop contacting you
Exercise your right to limit contact from a debt collector