This letter is designed to be used by a debtor (an individual) who wishes to write to a creditor.
Suitable for:
• Someone who has available income to offer to creditors equally and fairly distributed.
Advantages:
• This offer is widely accepted by creditors
• Shows goodwill and is viewed favourable by the creditors
Disadvantages:
• You can be pressured to offer more than you can reasonable afford
• Creditors can also push for higher payments than you offer.
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Download the PDF document. |
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Download the WORD document. |
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Template Letters
-IVA proposal questionaire
-Letter 1:Request to suspend payments and freeze interest for a set period
-Letter 2:Offer of a token payment and request to freeze interest
-Letter 3:Request a write off of the full debt
-Letter 4:Offer of pro-rata payments and request to freeze interest
-Letter 5:Offer of full and final settlement
-Letter 6:Request a write off from a catalogue company
-Letter 7:Offer of a pro-rata payment
-Letter 8:Offer of token payments
-Letter 9:Unable to offer payments
-Letter 10:Offering a lump sum as a full and final settlement of current IVA
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Budgeting at christmas 
