Requesting a write-off could be viewed as an option of last resort. It usually means that the client has no available income or assets, is not a homeowner and the debts are relatively small. It may also mean that the client is on low or benefit income and the circumstances are unlikely to change in the foreseeable future. A write-off means the creditor/s agree not to collect any further payments and remove the account from their records. A creditor’s agreement to write-off should always be confirmed in writing as this can be produced in the future should any disagreement arise.

Most creditors will not readily agree to a write-off particularly if the debt is recent or large and the client may have to consider an alternative strategy (e.g. token payments).