Step 3 Choose your debt solution 3 Negotiating with your non-priority creditors If you have chosen to negotiate with your non-priority creditors, follow these steps. Make sure you have arrangements in place with any priority creditors first. If you haven’t done so already, check whether you need to open a safe bank account. See Open a safe bank account if you owe any money to your bank in the Three things to do first section on page 4. If you haven’t done so already, fill in the Summary budget for creditors. See Summary budget for creditors on page 49. If you have any of the following debts, make sure you read the extra information on page 95: • catalogue debts; • payday loans; • personal debts to family and friends; • water rates arrears; • student loans; • mortgage shortfalls; or • business debts. Work out your offers of payment to your non-priority debts. See the next section for how to do this. Page 85