Dear {Name}:
This hardship letter is my official request for leniency concerning my {principal/loan/mortgage}. I have been permanently disabled since {date} and it has meant that I am falling behind in my payments with no foreseeable way to make up the difference.
Prior to {incident}, I was employed as a {position} at {Company Name}. As you can see from the attached pay stubs, I made {income amount} per year plus {amount of benefits}. I relied on all of this to meet the necessary expenses of {expenses}, including this {loan/mortgage/principal}.
I became permanently disabled on {date} due to {reason}. While I am now on permanent disability, I am no longer making my previous salary. Instead, I receive {amount} annually. I can no longer work according to {statement, attached} and I cannot meet the payments as they currently stand.
The doctor's note attached confirms my disability status. I would like to discuss with you the possibility of {proposal}. Please contact me as soon as possible.
Sincerely,
{Sender Name}
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Index of Hardship Letter Examples