Need to make final payment offers after years of paying my debts off - can no longer afford them..

[dazza3956]

hi

i'm in a lot of debt and have been struggling for a long time juggling debts.

it's come to a point now that i can't cope.

i've been paying what i can afford but it's nowhere near what i'm supposed to pay.

i'm in two minds whether to go for an iva

 

but was wondering if i could offer a lump sum as final payment to the creditors .

i can get money from my pension but it's only half of what i owe .

 

i've only been paying minimum payments for years but now with all this covid and other things going on the last three months i've only been able to pay what i can afford .

 

would it be a good idea to offer a final payment in hope they will accept it.

 

all the debt is with credit cards

thanks in advance.

 

[dazza3956]

thanks for your replies.

i haven't sent any cca requests .

the threads from before were debt for my wife mostly and i never  thought i'd be in this position again but i am .

thanks 

 

could someone guide me to the template letters . can't seem to find them .

i know they used to be on here but can't find them anywhere.

thanks