Hardship Letter

Posted in Sample Letters

Writing a hardship letter is one of those tasks no one wants to have to do, but it is sometimes necessary when you are facing financial problems. Whether you are having trouble paying your mortgage, car note or other obligations, there may come a time when writing a hardship letter is your only option. The tips and guidelines below will help you craft a letter that is professional and helps get the results you desire.

1. Gather the relevant details. Whether someone in your family has lost their job, you are going through a divorce, there has been a death in the family or other reasons have caused you not to be able to pay certain obligations, get all of the facts together before you begin writing your letter. Also determine if there is a point in the future that you believe you will be able to resolve the issue.

2. Write your letter in a brief, clear manner. Your hardship letter should be concise and to the point, including only information that is relevant.

3. Proofread your hardship letter. Make certain that all facts, dates and other details are correct. Check your work for spelling and grammar errors before sending.

There are many circumstances under which you may suffer a hardship. Medical bills or prolonged illness may put you in dire financial straits, as may the failure of a business or identity theft.

Sample hardship letter

Name of recipient

Company name


City, State, Zip

Your name


City, State, Zip


Loan or account number (if applicable)

Re: Loan or mortgage modification, Payment resolution, etc. (depending on who you are sending your hardship letter to)

Dear (Mrs./Mr./Miss/Ms.) followed by last name, (if you know the name of the recipient) – or – To Whom It May Concern:

In your opening paragraph, briefly describe the problem you are experiencing. Explain that you are having a hard time paying your mortgage, car payment, etc. Also briefly state that you would rather avoid bankruptcy or foreclose if at all possible by working with the company to find a solution that satisfied both parties.

In the body of your hardship letter, let the recipient know that you are open to discuss options that they may suggest. Also demonstrate that you have always paid on a timely basis in the past if this is true.

Go on to explain briefly the reasons that you are having this hardship, such as loss of job, increase in mortgage payment, medical catastrophe, etc. Also explain if you are not able to meet refinancing guidelines, and include any recent paystubs, W-2 forms or other documentation that will help the recipient know that you are providing them legitimate information. Advise the recipient to contact you if further information or documentation is needed.

Thank the recipient for their time and consideration in closing.


Your name

Sign your name above your typed signature. While writing a hardship letter is certainly a task you do not look forward to, it doesn’t have to be that difficult. Keep it as brief as possible, and always be honest and straightforward.

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