Hardship Letter Template – Free Sample for Mortgage, Rent or Debt
Use this free hardship letter (United States): fill it in online, download it as Word or PDF, and follow our step-by-step guide – where to send it, whether it needs notarizing, what to attach and mistakes to avoid.
| Country | 🇺🇸 United States |
|---|---|
| Document type | Benefits & support |
| Format | Word, PDF & fill in online |
| Cost | Free |
| Time to complete | about 5 minutes |
| Notarization | Not required |
What is this letter for?
A hardship letter explains to a lender, landlord or creditor why you cannot pay as agreed and what solution you propose. It is often required for a mortgage modification, forbearance or a payment plan.
Where do you send it?
Send it to your lender's or creditor's loss mitigation / hardship department, usually with an application form.
Does it need to be notarized?
Not required. No notarization is needed: sign the letter by hand (or electronically if accepted) and keep proof of when you sent it.
What you need before you start
- Your account or loan number
- What caused the hardship and when
- Your current income and the solution you propose
How to use this template
- Click each yellow field inside the letter and type your details directly (Enter jumps to the next field).
- Read the text through; the “Edit” button lets you change any sentence.
- Click “Word”, “PDF” or “Copy”, then sign and send.
Free template : hardship letter
Your full name
Street address
City, State ZIP
Phone | Email
Date
Lender / creditor name
Attn: Loss mitigation / Hardship department
Address
Re: Hardship letter – account Account number
Dear Recipient name,
I am writing to explain the financial hardship I am currently facing and to request your help. On date, cause of hardship: job loss, medical bills, divorce, reduced hours, and as a result my monthly income dropped from previous income to current income.
I want to keep my account in good standing. I am requesting loan modification / forbearance / reduced payment plan of amount per month for period.
I have attached documents supporting my situation. Thank you for considering my request.
Sincerely,
Your full name
⚠️ Disclaimer: this template is for general guidance only and is not legal advice. Always check the requirements of the organization you are writing to before sending it.
Common mistakes to avoid
- ❌ Being vague about dates and income.
- ❌ Sending no supporting documents.
- ❌ Promising a payment you cannot afford.
Tips before you send it
- Be honest and specific with dates and numbers.
- Attach proof: termination letter, medical bills, pay stubs.
- Keep the letter to one page.
Frequently asked questions
What is a good reason for a hardship letter?
Job loss, illness, death in the family, divorce or a sudden drop in income are common accepted reasons.
Should I sign the hardship letter?
Yes, sign and date it, and keep a copy of everything you send.
Where do I send this letter (hardship letter)?
Send it to your lender's or creditor's loss mitigation / hardship department, usually with an application form.
Does this letter (hardship letter) need to be notarized?
Not required – No notarization is needed: sign the letter by hand (or electronically if accepted) and keep proof of when you sent it.