Dear {creditor}:
I am writing to request an extension of the due date for payment of our bill due to extreme hardship.
On {date}, our family lost our home to {fire/flood/hurricane/etc.}. In the time since, we have been scrambling to secure shelter, access mental health care, and replace clothing and other essential belongings.
Because we have not yet received a payout from insurance, and our credit cards are maxed out, paying our bill poses a hardship at this time. Our friends have crowdsourced a fundraising effort for us, but that has not raised enough money to meet all of our immediate obligations.
We anticipate that we will be able to pay our bill in {full/installments} starting on {date}. Please let me know if this will be acceptable, as we wish to remain in good standing and also not have our credit rating adversely affected.
Thank you very much for your consideration and flexibility during this time.
Sincerely,
{Name}
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Index of Hardship Letter Examples