You are allowed to negotiate with creditors about debt repayments. It might seem intimidating, but many creditors are prepared to accommodate consumers because it means they’ll get their money back and won’t suffer a loss.
Negotiating can help your cash flow, prevent you from getting deeper into debt and keeping your credit record positive. It’s worth a try.
Before contacting your creditors check the amounts you owe and your current repayment terms. To do this you need to look at your original loan or purchase agreement, the amounts being deducted from your account and any other accounts you have access to online.