Help preparing a request to write off a debt
If you genuinely can't afford to repay a debt now or in the foreseeable future, you can ask a creditor to consider writing it off. We help you prepare and send that request clearly and effectively.
Book a free 15-minute chatHow we can help
- Checking whether a write-off request fits your situation
- Preparing a professional letter to your creditor
- Helping you complete a clear income & expenditure summary
- Identifying evidence that strengthens your request
- Helping you ask for a hold on interest or collections
- Explaining what to do if your request is refused
The details, in plain English
When a write-off may be appropriate
It may suit you if you can't afford any repayments, even small ones, and your situation is unlikely to improve — for example due to long-term illness, disability or unemployment.
When it may not be the right option
If you can afford regular or token payments, or your situation is expected to improve soon, a different option may be better. We can help you understand which.
What the letter does
It asks your creditor to consider writing off the debt based on your circumstances. A write-off is never guaranteed, but a clear, well-evidenced request improves your chances.
If your request is refused
There are still options — reduced or token payment plans, requests to freeze interest, or other debt solutions. We can help you understand the creditor's response and your next step.
What to gather
Strong, organised evidence makes everything easier. Where possible, it helps to have:
- Income & expenditure breakdown
- Benefit statements
- Bank statements
- Medical evidence (if relevant)
- Proof of caring responsibilities
- Rent, mortgage and essential bill information
What we don't do
We prepare the request and explain your options. We don't negotiate with creditors or give regulated debt advice.
Frequently asked questions
Can a creditor agree to write off a debt?
Yes, but it's entirely at their discretion.
Do I need to provide evidence?
Yes — supporting information strengthens your request.
Can you prepare the letter for me?
Yes. We can draft the full request and guide you through the process.
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