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→How do I contact my creditors and what do I say?
==How do I <span class="noglossary">contact</span> my creditors and what do I say?==
===Step 1: Write a short letter to each of your creditors===
=== Step 3: Attach your budget===
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Your budget shows the people you owe money to (creditors) what you can afford to pay towards your debts. If a creditor thinks the amount you spend on something is unreasonable, they may ask you to explain why you spend this amount.