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Sample letter to creditors

Hello fellow Forum members,

I have been a reader here for some months as I find myself in the same unfortunate situation as many more here.
After months of turmoil and not knowing which way to turn to address my debts, I have now reached a point where I am ready to face up to the hard work ahead to sort myself out.
What I need to know is some where on the forum I came a cross a thread that showed sample letters that can be used when in comunication with creditors.
Can anyone please direct me to the thread.

Thank you in advance
Allan.

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