I am writing this hardship letter to request a cessation to the actions being pursued by your company in regards to my debt. I am working to create a payment plan that we could agree on, but wage garnishment is extremely detrimental to my current family and financial situation.
I am including a worksheet of my income and how it is distributed to necessary bills. As you can see, I am the sole supporter of a {number} person family. Most of my paycheck goes toward {mortgage, rent, hospital bills, be specific}. This leaves me with {amount} leftover every month for nonessential expenses. If my wages are garnished then this will only further my difficulties and may lead to bankruptcy. If that were the case, I cannot imagine that I will ever be able to repay the charges.
I understand that the current disposable income amount that I have is not enough to keep up with my debt. Therefore I have also included a worksheet detailing a possible debt payment plan that might work for both of us. Please contact me as soon as possible so that we can work something out.
Thank you for your time and consideration.
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Index of Hardship Letter Examples
