Hardship Letter Due to Divorce

{Your Name}
{Your Address}
{Your Phone Number}

{Company Name}
ATTN: {appropriate department}
{Address}

{Date}

To Whom It May Concern:

I am writing to try to {consolidate my loan, avoid foreclosure, restructure a payment plan} for {my mortgage, my personal loan, car loan, etc.}.

I fell behind on my payments {or will fall behind} on {date}, due in large part to my recent divorce. Because of the divorce, my income was drastically reduced, since my spouse was the majority breadwinner in the household.

The terms of the divorce mean that I got the {house, car, loan, etc.}, and am now required to pay the entire thing on my own every month. This has proven to be impossible, because of {list of the other bills you have to pay, particularly if there is something emotional involved here, like sickness, death, or if your divorce was just that awful; be specific and emotional} .

{If this is for a mortgage, specify whether you'd like to stay in your home, or whether the home is up for sale already. For any other loan, come up with some sort of plan for repayment, such as lower payments each month, a lower interest rate, etc., and suggest it here.}

I am hoping that we can work out some sort of solution as quickly as possible. Please contact me immediately so that we can begin this process.

Sincerely,

{Sender Name}

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