Step 3 Choose your debt solution – Debt solutions at a glance 3 Charitable grant payment You apply for financial help with your debts from a charitable organisation. Informal solution What debts are Usually priority debts, although it depends on the charity. included? Is there a minimum or No. maximum debt amount? How long will it last? Not relevant. Is there a fee? No. Some things to consider Charitable grant payments can help to reduce or even clear your debts. Each organisation has its own rules about who it will help, so you will need to check if you are eligible. See our Help from You will usually need to fill in an application form. charitable organisations There is no guarantee that you will receive a payment, or fact sheet. how much you will get. Write off the debt You can ask your creditors to write off your debts if you have no money to pay them, no Informal solution assets or savings and your situation is unlikely to change. What debts are Non-priority debts usually. included? Is there a minimum or No. maximum debt amount? How long will it last? Your debt will be cleared if the creditor agrees. Is there a fee? No. Some things to consider You will need to show your creditors that your circumstances are unlikely to change. You may be asked to send proof of your situation, such as See our Write off debt medical evidence. fact sheet. Your creditors do not have to agree to this. Page 73