Dear {creditor}:
I will be unable to make the scheduled payment of {amount} on loan {loan number} due to the death of my {family member} on {date} due to {COVID-19/other cause}.
As I've been grieving, while simultaneously planning a funeral amidst a global pandemic, this debt has not been at the top of my mind. Now, as I evaluate my much-changed financial situation, I find that I barely have enough money to pay for shelter, utilities, and food.
Please advise me of options for {alternate payment plan/deferral/loan forgiveness/etc.}.
Sincerely,
{Sender Name}
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