It’s really important that you write to your lender as soon as you become aware that you may have difficulty meeting a payment.
You can edit these template letters to suit your particular circumstances. Remember to keep a copy of the letter that you send and to take a note of the date that you send it.
Sample initial letter to creditors (you should send this type of letter as soon as you become aware of your difficulties):
Sample offer letter to creditors (you should send this type of letter once you have gone through your finances and worked out how much you can afford to pay):