Contact your Creditors

Contact those you owe money to  If you are in financial difficulty and finding it hard to make ends meet make an appointment to meet your creditors, those you owe money to  Be open and Honest. It may help to explain your situation in writing and to bring this with you to your appointment.  In writing include   your account number or reference number explain why you are in financial difficulty eg less income, reduced hours, loss of work, illness, relationship breakdown, increased expenditure, poor budgeting ec. state when you will be able to start payment and the amount you can repay include a copy of your current proof of income and most recent financial statement  MABS (Money Advice and Budgeting Service) on their website offer very good tips on Dealing with Debt including a sample letter, negotiating tips etc  Download Dealing with Debt here    If you have a Loan with Tralee Credit Union Click Here