Sample Hardship Letter 1Sample Hardship Letter 1Sample Hardship Letter 1
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Sample Hardship Letter
Provided by the National Consumer Law Center
(for illustration only; you must compose your own letter; this is only to show you what one might
look like)
Another first step is to send the investor a “hardship” letter. Again, it is best to get the help of a legal
advocate first. But you may not have enough time to get that help when you need it. So we have attached
a sample hardship letter and some pointers about what information to include in your letter, if you need to
write the letter yourself. It is better to try this on your own than to do nothing.
June 1, 2006
Darlene Smith
Loss Mitigation Specialist
ABC Mortgage Co.
1234 River Road
Milwaukee, WI 33333

John and Joan Borrower
217 Lake Street
Otis, ME 12345
Account number: 98374092

Dear Ms. Smith:
[State what type of work-out plan you are seeking; see enclosure “Can I save my home from
This letter is to support our application for a loan modification plan that will help us to get our