Hardship Letter Examples

   Hardship Letter Due to Car Accident

I am writing to try to {consolidate my loan, avoid foreclosure, restructure a payment plan, delay payment, request debt forgiveness} for {my mortgage, my personal loan, car loan, credit card bill, medical bill etc.}.

On {date}, I was in a car accident that caused {amount of damage} to my car and {amount of damage} to the other vehicle. I {was/was not} at fault and the insurance only covered {amount} out of {total}. The additional {amount} I have paid in damages has left me unable to meet {payment requirement}. {Attach expense worksheets if applicable here}.

In addition to the extra expense, this incident has also deprived my household of a car and caused a {type} injury that leaves me {unable to work, in need of surgery, etc.} Without the {amount} in income that I provide for my family, we will be unable to make payments until {projected date}.

{If this is for a mortgage, specify whether you'd like to stay in your home, or whether the home is up for sale already. For any other loan, come up with some sort of plan for repayment, such as lower payments each month, a lower interest rate, etc., and suggest it here.}

I am hoping that we can work out some sort of solution as quickly as possible. Please contact me immediately so that we can begin this process.

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Index of Hardship Letter Examples