Debt help letter templates

We have put together a selection of the most commonly needed debt help letter templates that you can use when sorting out your payday loan problems. You can use the letter templates to advise your creditors about your situation and to ask them to accept your repayment plan, freeze interest and service fees.

Full and final settlement offer template

Use this letter template to make a full and final settlement offer to your payday loan lender. The letter requests a reduction in the balance if payment is made within X number of days of acceptance from the lender.

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Statute barred template

If you believe that your debt has expired, send this letter to your lender. It informs your lender that you believe the debt has expired and that they must provide you with evidence to the contrary or stop pursuing you for the debt.

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