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Insert your address here
Insert Date Here
Insert Name of Creditor Here
Re Account No.: Insert your account number here
Dear Sir/madam
Further to our recent correspondence, I am writing to advise you that I have now completed a full assessment of my current financial situation taking into account all my living expenses and commitments.
As a result I am now putting forward an offer of € per week/month as being realistic in my current circumstances. Should circumstances improve to the extent where I can to increase this offer, I will contact you immediately.
In the meantime, I hope that this proposal will be acceptable to you. I would be grateful if you would suspend any interest and other charges being added to the account in order to help me resolve my difficulties within the shortest possible period.
I look forward to hearing from you.
Yours faithfully
__________________
Insert your name here
Following on from this initial contact, your creditor may request a detailed statement of your overall financial situation. The normal format for this is a Standard Financial Statement. A sample of this which you can print out and complete is available at this link. 
However, please note that this is an important document so take great care in filling it out. This should be only completed once you have worked out your weekly/monthly budget. Go back to Step 2.5 for more information.
