Pro Rata Budgeting Spreadsheet
The Pro Rata Budgeting Spreadsheet helps you to meet your obligations to the best of your ability. This spreadsheet calculates the minimum payment for each of your creditors based on your disposable income.
Of course, your creditors will not like receiving less than their required minimum payments. However, if you keep sending them checks, they’ll most likely keep cashing them. Remember this is just temporary until you're able to send full payments. Always stay in contact with your creditors.