Baliff letter help

[Mummyoftwo91]

Can someone please help me with this, debt is for over £500, I'm fully aware it's my own fault, not to drop feed but I'm currently in temp accommodation after being made homeless, I don't have the money to pay this, I left my private rented house with a lot of debt as the rent was so high I had to prioritise that over anything else. This is one of the debts, I know I should have sorted this out sooner but I've had a lot going on, im aware it's my own fault. I'm panicking at the letter as it doesn't say anything about being able to pay in instalments

Does anyone know what my options are? I'm intending to call them first thing tomorrow morning but I will be worried all night over this

Who is it for?

If it’s government etc. It needs to be paid in full. Like council tax? That needs to be paid before anything else

If not. Ring the company and ask to pay in I stallments. They should say ok. Because you are offering to pay something.

Call them they can set up payments. Also if you know who the original debt is with it might be better to try and get them to accept payments as they won't add all the extra fees (they don't have to accept).

Ring National Debt Line first thing on Monday. They are a charity and will give you objective advice. I'd do that before doing anything else to be honest. You'll get good advice. www.nationaldebtline.org/EW/Pages/contactus/debtadvice.aspx

There's good advice here OP www.citizensadvice.org.uk/debt-and-money/action-your-creditor-can-take/bailiffs/stopping-bailiffs/negotiating-your-debt-with-bailiffs/#targetText=Send%20the%20bailiffs%20your%20budget,you%20owe%20the%20money%20to. Good luck

It's from a credit card, thanks everyone I'm beating myself up about this, I will have to make some calls first thing Tomorow, I have nothing worth any value for them to take