Use this letter template to tell a creditor you have no ability to make payments on a debt. For more on this topic, see our guidance on negotiating payment terms with creditors. This template is available as a document you can download. You can modify it to suit your situation.
We are grateful to work on the unceded traditional territories of the xʷməθkʷəy̓əm (Musqueam), Sḵwx̱wú7mesh (Squamish) and səlilwətaɬ (Tsleil-Waututh) Nations, whose Peoples continue to live on and care for these lands.