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→How do I contact my creditors and what do I say?
==''How do I contact my creditors and what do I say?''==
'''Write a short letter to each of your creditors.'''
You need to provide enough information so that your creditors understand your financial difficulty. Tell your creditors that you would like to pay your debt but cannot do so in full right now.You could offer to pay them an amount you can afford if you have the money to do so.
If you have to stop making payments, let your creditors know about your financial situation and that you will tell them when it changes.
'''Attach any relevant documents.'''
If you have problems that are preventing you from paying your debt, such as health issues or job loss, you should provide proof, such as:
Documents that show changes in your family. For example, you may have a new child or you may be taking care of an elderly parent.
'''Attach your budget'''
''There are laws that protect debtors from what a debt collector can do.For example, there are strict limits on contacting your family or your employer, and you have a right to tell a collector to stop phoning you altogether.''
For more information about debt collectors, contact the Credit Counselling Counseling Society.Toll free at 1.888.527.8999.
Find more helpful information and links on page 13 XXXXX of this publication.