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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

Hardship letters can help convince your lender to accept a loan modification agreement. Here is an example of a hardship letter for loan modification.

August 23, 2009

Name: Greyer Romes
Address: 19 Harvey Street, Juneau, AK

Contact no.: (123) 234-5678
Mortgage Company: M & L Mortgage Company
Loan Number: 123-5678

To Whom It May Concern:

I am writing this letter to state the reason for my mortgage payment delinquency. The reason for my delay in payment is high medical bills. Unfortunately, my health insurance did not cover my excess medical costs. This is why I was forced to spend the money I had set aside for my mortgage payments to cover up my bills.

Luckily, I have already recovered from my illness and have resumed work. However, I would appreciate it if you could help me make modifications for my loan to slowly keep up with my financial obligations.

Thankfully and Respectfully yours,

Greyer Romes

8/23/09

Download Hardship Letters for Loan Modification

Hardship letters can work for stopping foreclosure of your precious home. Here is an example of a foreclosure hardship letter.

August 23, 2009

Jade Morrison

78 Rounds St., Miami, Fl

Loan number: 12345-999

To whom it may concern:

I am writing this letter to explain my reason for not being able to keep up with my mortgage payments. My number one goal is to keep my home and I have done everything I can to stop its foreclosure. Unfortunately, the money that I have produced was not enough to pay you.

The major reason of my delinquency is my loss of job two months ago. I have every intention to pay you what I owe but as of this moment, I am financially exhausted. I am currently working as a store manager at a local grocery store and I would appreciate it if you could help me modify my loan.

Respectfully yours,

Jade Morrison

8/23/09

Download Hardship Letter to Stop Foreclosure

One of the most important documents that mortgage companies require for their clients during a loan workout is a hardship letter. This letter acts as a written explanation as to why you have fallen behind form your mortgage payments. Below is an example of a hardship letter to a mortgage company.

August 22, 2009

Name: Mark Randal

Address: 43 Roads St., San Francisco, CA

Mortgage Company:  Mortgaging Co.

Loan no: 234567-7655

Dear Sir:

I am sorry for delaying my mortgage payments. I have not kept my financial responsibility to your company because I recently had a very costly divorce. All of my assets were almost lost due to my unfortunate event. However, I have slowly recovered from financial depression and have found a good paying job to help me recover what I have lost. With this regard, I am happy to tell you that I can gradually pay off my mortgage if you agree to help me workout my loan.

Sincerely,

Mark Randal

8/22/09

Download Hardship Letter to Mortgage Company