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→How do I contact my creditors and what do I say?
Send your letter, any documents, and budget to your creditors by registered mail or fax or e-mail. You want proof that they received it.
'''Keep notes.'''
If you speak with any of your creditors about your situation, write down their name, number, the time of call, and what you discussed.If the person you were talking to suggests a payment plan, ask them to send it to you in writing.