credit card negotiations

shelby1969

Hi everyone I need some help I have nearly been talked into having an IVA but have not been convinced this is the right path for me and having read Martins pages I now know its definately not!! I have borrowed some money to pay off my credit cards from a family member interest free to get me straight but what I would like to know as I have limited money can I negotiate a settlement figure with my creditors myself and are the forms available to do this.
Help much appreciated.
Shelby1969:p

Honeybee_2

There are templates for full and final settlement offer letters knocking about on here, I'll look for one now...

Honeybee_2

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=24_full_and_final_settlement_offers

Thanking Fermi for the link.

shelby1969

I cannot thank you enough you are a star........
Shelby1969