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Insert your address here
Insert Date Here
Insert Name of Creditor Here
Re Account No.: Insert your account number here
Dear Sir/madam
I am writing to you regarding the above account.
The purpose of this letter is to inform you that I am currently experiencing financial difficulties and am in the process of trying to resolve them.
I am at present assessing my full financial situation and working out how much I can pay to each of my creditors taking into account all my living expenses and commitments.
While I am undertaking this process, it would be of immense help to me if you would put a hold on any action being taken to recover this debt, also if you would suspend any interest and other charges currently being added to this account.
May I take this opportunity to thank you in advance for your co-operation.
Yours faithfully
____________________
Insert your name here