Asking to write off your debt

If you have no money to spare to pay off your debts, your creditors may agree to write off your debt. They may even agree to stop action against you altogether.

To find out how to work out if you’ve got money to pay off your debts, see How to sort out your debts.

Your creditors will only agree to write off your debt in exceptional circumstances. It’s most likely to happen if you have a low income and your situation is particularly difficult and unlikely to get better. For example, you may have long-term serious health problems or be very elderly.

You will usually need to show proof of your situation, for example, medical evidence, before creditors will agree. If creditors do agree, ask them to put this in writing.

Some creditors may want an adviser to make this request on your behalf. Your local Citizens Advice Bureau can make the request on your behalf. To search for details of your nearest CAB, including those that can give advice by e-mail, click on nearest CAB.