Whether this offer is fair depends on your income and expenditure and any other debts that you are repaying. Speak to a money adviser, such as CAB or see the Talkaboutdebt.co.uk list of 'Leading Debt Advisors' on the homepage, who can help you assess your financial situation and put forward a fair offer to your creditor.

This question has been answered by Christians Against Poverty, a leading debt charity offering hope and a solution to anyone in debt.

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