Hardship Letter Review: Is It Honest, Specific and Practical?
Check a payment hardship request before you send it.
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Review my hardship letter to a creditor or provider. The draft: [MY_DRAFT]. My real income and essential costs, shared at the level I choose: [BUDGET_SUMMARY]. What I am asking for (reduced payments, pause, plan): [REQUEST]. Check that the circumstances are described briefly and truthfully, that the request is specific with amounts and dates, that the proposed payment is realistic against my budget (show the arithmetic of income minus essentials), that documents are listed, and that the tone is courteous. Make a table with Paragraph, Purpose, Issue, and Improvement. Identify oversharing of sensitive detail and statements I cannot document. Suggest a one-page version and a list of free debt advice organisations to look up locally [VERIFY]. Provide a follow-up message. Do not advise me to withhold payments from priority bills. I am not asking for legal or financial advice. Treat this as writing help only. Name no rule I did not supply. Use [JURISDICTION] and [RELEVANT_LAW_OR_POLICY_IF_KNOWN] as given. Say when to see a professional. Keep every draft calm and fair.
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