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Guide To Write a Hardship Letter: Examples of Hardship Letters

Posted 3 Aug 2009

I am writing this letter to explain my unexpected set of circumstances that have caused us to become behind on our mortgage. Our family have done everything in our power to make ends meet but unfortunately we have can’t afford to pay and would like you to consider working with us to modify our mortgage. Our number one goal is to keep our home and we would really appreciate the the opportunity to save our financial future.

The main reason that caused us to be late is we lost our father. After we became late on our payments and our paychecks not being nearly enough, we had fallen further and further behind. Now, it’s come to the time where we cannot afford to pay what is owed to the bank. It is our full intention to pay what we owe. But at this time we have exhausted all of our income and resources so we are turning to you for help.

On the date of.

The situation has not got better because both my spouse and I have been laid off work and we feel that a loan modification would benefit us both. We would appreciate if you can work with us to lower our late payments amount owed and or payment so we can keep our home and also afford to make amends with your financial institution.

We truly hope that you will consider working with us and we are anxious to get this settled so we all can move on.

Sincerely and Respectfully,

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