I would like to discuss a payment modification for my {loan/mortgage/principal/etc.}. I am getting married on {date} and I will be taking on my fianc�'s debt in addition to my own. Together we will owe {monetary amount}.
In addition to the new debt, my fianc� and I are paying for the wedding ourselves, which will cost us {monetary amount}. I am a hard worker with a full-time job and I have always made my payments on time. My debt-to-income ratio is {number} and therefore beyond my control at this time. I would like {brief description of payment plan proposal}.
I have applied for refinancing but have been denied. Please contact me at the contact information listed above so that I can discuss this with you further.
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Index of Hardship Letter Examples