Category: Hardship Letters

Below is a sample of a simple short sale hardship letter that makes or breaks your chances of selling your home as a short sale.

US Mortgages

32 Saints Avenue, Tampa, FL

(234) 456-6907

August 23, 2009

RE: Request for short sale for 12 Hans Street, Tampa Fl

To whom it may concern:

I bought my home at Saints Avenue May of last year. During that time, B & B Holdings employed me as an accountant and business was very good. My salary made sure that I could fully support my mortgage. Unfortunately, the economic downturn led B & B Holdings to be bankrupt.

I really love my house but I can no longer afford paying its mortgage this is why I am selling it quickly. I believe that a foreclosure on my record will affect my future, which is why I am asking your help to avoid it.

Sincerely,

Anna Pairs

34 Area Road, Tampa FL

(123)345-6789

Download Short Sale Hardship Letter

Hardship letters can sometimes be your chance of keeping your home or your property. It serves an important purpose especially if you cannot cope up with due payments to a mortgage company or to a bank.

August 23, 2009

Name: Maria Emille

Address: 78 Oaks Street, Sacramento, CA

Mortgage Company: Glenn Mortgages

Loan No: 234566-888

Dear Sir:

I apologize for my delinquency in paying my mortgages for the past two months. I am having problems making my monthly payments because of financial difficulties aggravated by my lost my job. I am humbly requesting that you review my financial situation to see if I can qualify for a workout option.

I believe that my situation is temporary and I hope that the option that you can give me will suit my financial status.

I, Maria Emille, state that the information provided above is true and correct to the best of my knowledge.

Maria Emille

8/23/09

Download Sample Hardship Letter

A hardship letter can help save the foreclosure of your company. here is an example of a pre-foreclosure hardship letter.

August 23, 2009

Name: Hazel James

Address: 58 Fort Street, El Paso TX

Mortgage Company: EHL Loans

Loan no.: 9999-0000

To Whom It May Concern:

I am writing this letter to explain my delinquency in paying my mortgages and to help save my beloved home. I have fallen short on my payments because I was caught in the middle of a divorce. My divorce has left me to be financially unstable and I am trying to meet ends meet.

I have now exhausted all my income, which is why I am asking your help to lessen my financial problems. I would appreciate it if you could work with me by agreeing to short sale on my property. I do not want to have my home foreclosed and truly hope that you would consider my proposal.

Sincerely,

Hazel James

8/23/09

Download Pre-Foreclosure Hardship Letter

If you have missed out mortgage payments, the first communication you need to relay to the bank is a hardship letter. It is a basis of future negotiations with the mortgage company.

August 23, 2009

Name: Ali James

Address: 23 Hard Street, Miami, FL

Contact no.: (123) 456-7890

Mortgage Company: H Mortgages

Loan no: 12345-678

Dear Sir:

I have been required to write this letter of hardship to explain for my delinquency in paying my mortgages. I have fallen behind my payments because I still haven’t found a new job.

I am fully aware that I owe your mortgage company but I will do my best to settle my accounts the earliest time possible. I hope that you could help me with any loan modification options to make me cope with my financial problems at an earlier time span. Please contact me if you wish to set an appointment with me concerning my loan modification plans.

Respectfully,

Ali James

8/23/09

Download Mortgage Hardship Letter

If you cannot keep up with medical bill payments, a medical hardship letter can help you ease your financial difficulties. Here is an example of a medical hardship letter.

August 23, 2009

Name: Riana Davis

Address: 44 Hay Street, Nashville TN

Contact no.: (009) 345-6789

Mortgage Company: West East Mortgages

Loan no.: 7777-9999

To Whom It May Concern:

I am writing this letter as ask you to help me extend my loan. The reason for this is my recent heart surgery, which caused me beyond what my health insurance could cover. My life’s savings is not enough to pay my medical bills, which is why I need a loan modification.

I have a good record with your company and I intend to keep it. I wish that we could negotiate for my loan extension. If you wish to see me about my request feel free to contact me anytime for an appointment.

Respectfully,

Riana Davis

8/23/09

Download Medical Hardship Letter

With a hardship letter, you could possibly make your way out through a financial crisis. Here is an example of a loan hardship letter.

August 24, 2009

Name: Wendy Rue

Address: 56 York Avenue, Columbus, OH

Contact no: 123-4567

Mortgage Company: YLS Mortgages

Loan no.: 88888-009

To Whom It May Concern:

I apologize for not being able to settle the payments due for my loan this month. I have been caught in the middle of a financial crisis caused by ill health and high medical bills. I have been diagnosed with breast cancer two months ago and since then my hospital bills have been piling up.

I appreciate if you could help me on a workout plan for my loan so that I can keep up effectively with my other financial obligations. I have attached a medical certificate and a proof of billing from the hospital to prove my claims.

Respectfully,

Wendy Rue

8/24/09

Download Loan Hardship Letter

If you have problems with the IRS, you can always write them a hardship letter. Here is an example of an IRS hardship letter.

August 24, 2009

Name: Terry Hart

Address: 34 Haycorn St., Tucson, TX

Contact no.: (123) 456-7777

RE: CP 14 balance due notice

To Whom It May Concern:

I am writing this letter as a reply to the notice you sent me last week regarding my underpaid tax. I was not able to pay my taxes recently because of a hardship that I am currently experiencing due to high medical bills.

I may be able to pay as soon as I can establish a good health and resume working. I would gladly appreciate it if we could meet and work things out regarding my situation. Please contact me on my home phone number (456-7890) if you wish to have an appointment with me so that I can be fully prepared with handling the situation.

Respectfully,

Terry Hart

8/24/09

Download IRS Hardship Letter

Immigration hardship letters should focus on your will to live in another country. It should be straight to the point and not too lengthy so as not to waste the reader’s precious time.

RE: 123455-09999

Applicant: Maria Munoz

Application for Waiver of Grounds of Excludability (I-601)

Claim of Extreme Hardship for U.S. Citizen (daughter)

I am a US citizen who is pressing the urgent waiver of Grounds of Excludability (I-601), so that my daughter Maria can join me in Sacramento, California as soon as possible.

Unification between family members is an important aspect for most of us. I believe that my honest and hard life in the U.S has made me become a citizen with values and morals of which I can soon share with my daughter.

I wish with all my heart that you could accept my simple letter as way to reunite me with my daughter again.

Respectfully,

Anna Munoz,

8/24/09

Download Immigration Hardship Letter

Hardship letters are also very necessary for those who have problems with the immigration. Here is a sample of a hardship letter for I 601.

August 24, 2009

Name: Glenn Rowe

Address: 88 Grey Avenue., Houston, TX

To: Department of Homeland Security
U.S. Citizenship and Immigration Services

Applicant: Mario Rowe

Application for Waiver of Grounds of Excludability (I-601)
Claim of Extreme Hardship for U.S. Citizen (Son)

To Whom It May Concern:

I am a U.S. citizen urging pressing the immediate waiver of Grounds of Excludability (I-601) for my son Mario. Our separation is an immense hardship on both our parts and I have longed to be reunited with him for over ten years. I have sent similar letters of hardship before and it has not worked in convincing your agency regarding my plea.

I hope that you will finally be convinced of my request because I am getting older and my days are numbered. Seeing my only son is my only request before I finally retire in this world.

Respectfully yours,

Glenn Rowe

Download I 601 Extreme Hardship Letter

What is a hardship letter?  This is a kind of letter written for mortgage companies. This is specifically made as a form of workout for due payments.  Hardship letters usually work with collection agencies in cases of accepting partial payments or getting lower percentage of payment. It can also function as an apology for delayed payments. What does a hardship letter contain? Its usual content chiefly includes an explanation as to why payments cannot be continued. The most common explanation is not being able to pay due to loss of job or illness.

Writing a hardship letter is quite easy. However, before starting to write one, it is crucial to make a list of things that you would want to say. Make sure that you separate feelings from facts. Always see to it that you arrange the events that led to payment failure in chronological order. After doing so, start by writing your name, address, Mortgage Company, and loan number at the very top of the document. Then, create a brief and straight to the point opening statement. After making your opening statement, make a short and brief narration of your financial difficulties as well as a way of coping up your hardships. Finally, you should provide an oath of truth, which is followed b y your signature. If you have a co –borrower you could also include his/her signature below yours. One last thing to put in mind when writing a hardship letter is by making it a presentable document.

Download How to Write a Hardship Letter