Renfrewshire Council

Negotiating with creditors

When writing to creditors it is important that you include:

  • A detailed financial statement
  • A list of all your debts
  • Any relevant background information on your present circumstances
  • A request to freeze interest and charges

A creditor may pass your details on to a debt collection agency. They often do not send on other information such as your financial statement or offer.

You may feel that letters from the collection agency are more threatening but they have no greater powers than the creditor. If this happens you should send a copy of your financial statement and offer to the collection agency and deal with them directly.

Please see our sample letters below which may help you when writing to your creditors. Alternatively, you can contact Advice Works directly to get further support from one of our Money Advisors.

Sample letters are available in from the fact sheet in the Related Documents section.