This hardship letter is my official request for leniency concerning my {principal/loan/mortgage}. The reason I have fallen behind in my payment plan is that my {family member} has developed a gambling problem and spent a large portion of our money.
It only recently came to light that {Name} was spending our money gambling. Between {date} and {date}, {he/she} spent {amount} of money, which had been reserved for our {mortgage/loan/etc.} payment. {Name} is now in treatment for {his/her} problem, but the issue with our finances remains.
I respectfully request {forgiveness/postponement} of my {loan/principal}. Specifically, I would like {brief description of specific payment plan}. Please consider our circumstances. We are working to keep our house and rebuild our family. I hope there is some way we can work this out.
Thank you for your consideration.
Download this hardship letter — free!
Formatted and ready to use with Microsoft Word, Google Docs, or any other word processor that can open the .DOC file format.
Index of Hardship Letter Examples