Get the free Hardship Letters:

John R. Kasich, Governor Andre T. Porter, Director 77 South High Street, 21st Floor Columbus, OH 432156120 614.728.8400 614.644.1631 (Fax) www.com.ohio.govDivision of Financial InstitutionsHardship

How to fill out hardship letters

How to fill out hardship letters:

1. Start by addressing the letter to the recipient, such as a landlord, creditor, or mortgage lender. Include their name, title, and contact information.
2. Begin the letter with a concise and clear introduction explaining your purpose, which is to request a hardship consideration. State the specific hardship you are experiencing, such as a job loss, medical condition, or other financial difficulties.
3. Provide a detailed explanation of your current financial situation. Include information on your income, expenses, assets, debts, and any changes that have occurred that have led to your hardship. Be honest and transparent in sharing your circumstances.
4. Clearly state the outcome you are seeking, whether it is a temporary reduction in monthly payments, a loan modification, or some other form of assistance. Explain how the requested action would help alleviate your financial hardship.
5. Support your claims by attaching relevant documents, such as proof of income, medical bills, termination letter, or other evidence to back up your hardship situation.
6. Express your willingness to cooperate and work towards a mutually beneficial resolution. Offer to provide additional information or documentation if needed and mention your commitment to fulfilling any agreed-upon arrangements.
7. Finally, close the letter professionally and respectfully. Express gratitude for their consideration and provide your contact information so they can reach you if necessary.

Who needs hardship letters?

1. Individuals struggling with financial difficulties due to job loss, reduced income, or unforeseen circumstances may need to write hardship letters.
2. Homeowners facing foreclosure or mortgage payment challenges often need to submit hardship letters to their mortgage lenders.
3. Renters seeking rent reduction or lease modification may need to provide a hardship letter to their landlord.
4. Individuals with overwhelming medical expenses and struggling to pay their medical bills may write hardship letters to their healthcare providers or insurance companies.
5. Students facing financial hardship may need to write hardship letters to their educational institutions to request financial assistance or extensions.
6. Small business owners experiencing financial hardships may need to submit hardship letters to creditors, suppliers, or landlords to explain their situation and request temporary relief or payment options.
7. Individuals seeking debt relief or renegotiation of loan terms may need to write hardship letters to their creditors.

Overall, hardship letters are typically required when individuals are facing financial difficulties and need to explain their situation and request some form of assistance or consideration.

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