I am writing to request that you consider writing off the above outstanding debt owed to you.
I enclose a copy of my income and expenditure which provides details of my present financial situation. You will see from the information contained that my outgoings exceed my income and I am experiencing extreme financial hardship. It is clear that I cannot realistically make payments of any kind.
My personal circumstances are as follows:
My situation is very unlikely to improve in the future and the stress of my financial situation is having an impact on my health and well-being. I am therefore asking that you consider my request to write off the debt.
I look forward to hearing from you.
Yours sincerely