Template letters to reduce payments to creditors?

in Debt-free wannabe
5 replies 6.7K views
Hi all, I'm not sure I'm posting in the correct place and I'm sure you will all (very kindly) tell me if there is somewhere more appropriate :rolleyes:

Having had my lightbulb moment earlier today (the real one not the energy saving kind which I've had before!!!), I've made a proper budget and discovered I spend more than I earn. Over the last 6 months I've minimised all the outgoings I can and sadly its my debt repayments which are crippling me. I've done a letter to each of my creditors proposing a lower monthly repayment at present, but wasn't sure whether there was a recommended template, in order to "argue the best case". Thanks for your wisdom in advance :beer:
LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j

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