If this is a temporary blip you could contact each creditor yourself and agree reduced payments for the next few months. How they deal with "catching up" would be up to each creditor. Thanks Foggy. I am in the process of that now. All are offering 30 days with varying policies on freezing payments ...

Foggy wrote:

They are quite within their rights to withold this information, in which case the IP will assume a 50/50 split.

Should your partner earn more than you, would it therefore be pragmatic to withhold their income information from advisors/IP?

Sorry I can't see how to edit a post so am posting this.
To clarify, my monthly surplus is £50 for the time being.

<t>Please can you advise me what you would recommend?<br/> My hours have been reduced so I can't keep up payments. I have done the debt remedy tool on Stepchange and asked lenders for breathing space.I intend to increase my income so that I can make payments again.<br/> I owe 37,000 and my surplus h...