![]() You can use our sample letter B to give the background to your situation. A financial statement is just a summary of your income, expenditure, debts and offers to pay. Having made this plan, you can t hen send a letter with a f i nancial s tatement to your creditor explaining your situation. If yo u can’t afford your rep ayments, now or any time soon, use our free budget tool (or Full Financial Picture if you have more than one debt) to work out what money you have coming in and going out.
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