Sample letter

Write off the debt (joint names)

Use this letter when asking your creditor if they would consider writing off your debt.

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16 December 2018

Dear Sir/Madam

Account No:

Further to our recent , we enclose a copy of our budget sheet which gives details of our present financial circumstances.

As you can see, our outgoings are more than our income and we are experiencing extreme financial hardship.

We would be very grateful if you would consider writing off the outstanding debt owing. We have always taken our financial responsibilities very seriously but unfortunately, our circumstances are so bad that we cannot realistically maintain payments of any kind. Please take the following special information into account when making your decision.



As you can see our situation is very unlikely to improve in the future and our continued high debt level may have a serious effect on our physical and mental wellbeing.

We would be grateful if you would seriously consider our request for the debt to be written off.

We look forward to hearing from you.

Yours faithfully