Jan 10, 2018 - Talk about trauma. The last thing most people need after a frightening or painful medical procedure is an equally terrifying hospital bill.
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A hardship letter is a statement written by a borrower to a creditor describing a change in his financial situation. Many creditors require a hardship letter when the borrower requests financial assistance or alternative payment options.
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The letter should provide a detailed explanation of the type of assistance the borrower wants, the cause of the financial hardship and the current financial situation leading to non-payment of debt. Once a creditor has the full picture of the borrower's financial situation, he may approve an alternative payment plan, a temporary forbearance or other financial options. Step 6Describe your current financial situation in the third paragraph. If you don't earn enough income to pay all of your monthly bills, state your monthly income, your monthly debt and expenses and the exact amount of money you are short every month. Explain any financial details that add to your problem, including your lack of a savings account for emergencies or a bad credit score that prevents you from obtaining additional credit. Explain how long you think your current situation will last and how you think the requested assistance may help alleviate your financial hardship.
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