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.
Template letter to say you can't make payments
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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.