Redundancy and Loan Settlements

Hi I am likely to be made redundant in the next six months and I have two loans that are nearing their term end and a couple of cards. Altho my redundancy pay will see me through for payments for a few months (6-8) would companies at this time consider giving me a settlement figure if I am upfront and honest regards the situation at that time that gives me a cleared balance and a reduction in cost of the loan over the term. Or are they likely to want me to continue with the monthly payments to the point that my redundancy settlement is zero and they risk nothing back. What advice would people have and are there any letter templates anywhere that address this?