Free Sample Letters

A hardship must be something that has been out of your control that has forced you into a financial corner. Medical issues, job loss, death in the family are examples of hardships. If you are searching for the answer of question “how to write a hardship letter” we shall provide you all necessary information regarding it. Some sample hardship letters are also given below that will help you in customizing your hardship letter according to your own needs. Following are the important tips to write a hardship letter;

• Determine the tone of letter first of all.
• Consider that you are writing to a person who has not committed any mistake, mistake was from your end so you need to write letter in friendly tone.
• A reality that you need to keep in your mind that lenders do not care about any person’s situation. They care for their money and nothing else.
• Simply stating that you have gone through some financial problems is not enough.
• The basics of the letter are anything out of the ordinary that would be causing you financial distress.
• Explain why it is not possible to comply with the original terms of the agreement, and request modification of the obligatory terms until your financial situation improves.
• You also must convey that the hardship you went through is in the past and they you now can afford it.
• Your letter needs to be sent to the collection agency and convince the original creditor cut you some slack.
• You need to consider following approach in writing a hardship letter;
• Your hardship
• Your offer to resolve your debt
• Thanking them for their time
• Your current contact information
• Your name, address and postal code should be mentioned in the start.
• Date of the letter should also be there at the top.
• Words like “Dear Sir / Madam” should be used in formal letters.
• State the main line clearly in direct approach.
• Requirements of all Seven C’s of business communication should be considered when writing a Cancel Service Letter.

  • Conciseness and Clarity
  Beauty of writing is hidden in conciseness. The letter should be stated in as few words as possible but it should communicate the whole message as well. Conciseness does not mean that in trying to write a short letter, you forget to include theme of the message. Your letter should be written in simple and easy language that can be understood by a normal person having no specialized background. Technical jargon should not be used in a business letter.

  • Completeness and Concreteness
  Your letter should be complete enough to provide all necessary information to the recipient to take action. Make sure you have included the answers of all W’s in your letter i.e. Who, What, Why, Whom and How. All the facts and figures should be included in the letter. For example it is better to say that “oil prices are increased by 15% in last one year”, rather than saying “oil prices increased rapidly last year.”

  • Courteousness
  In business communication, you cannot give away courteousness. So you need to be courteous and polite in your approach irrespective of the fact that your recipient is your customer or your service provider, your employer or your employee. But politeness odes not mean you accept every thing of the other person. You should be firm on your points.

  • Consideration and Correctness
  Consideration means considering recipient of letter in a letter. You need to focus on “You” approach. It is better to write “you will be pleased to know that” rather than writing “we are pleased to inform you that”.

All the information provided in your letter should be correct. There is no margin of mistake in business. Mistake means you are loosing some monetary value. It also gives a bad impact if you say something wrong. Wrongly adding something in your letter has a negative impact on your goodwill as well.

• At the end mention your name along with signatures.
• Handwritten signature should be there in your letter.
• Proofread your letter at least once.
• Be sure you have spelled everything correctly.
• Check the punctuation use carefully.

Here are download links,

Sample Hardship Letter 1

Sample Hardship Letter 2

Sample Hardship Letter 3

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