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Step 3.4

How to Make an Offer

Send a letter outlining what you can afford to offer and a copy of your financial statement to each priority creditor outlining the following:

• Give the account number or reference number.
• Explain why you are in financial difficulties e.g. sickness, unemployment, relationship breakdown etc.
• Say when you will be able to start payments and for how much. Only offer what you can afford on top of your normal payment.
• Ask your creditor to suspend interest and other charges if appropriate.

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