If you are facing a foreclosure and it is due to a personal hardship in your life, this is a sample hardship letter you can refer to.
IMPORTANT: DO NOT COPY THIS LETTER EXACTLY. PLEASE USE YOUR OWN WORDS.
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{Your Name}
{Your Address}
{Your Phone Number}
{Creditor Name}
{Address}
{Address}
{Date}
RE: stopping foreclosure on {address of home}
To Whom It May Concern:
I am writing in the hopes that this letter will help to stop the foreclosure
proceedings on my home at {address}.
I have owned this home since {date}, and have recently begun to fall behind on payments due to financial hardship. This hardship was caused by {details of the hardship; could be medical bills, death, job loss, etc.} and has left me unable to keep up with the mortgage payments of {amount in dollars} per month.
I would like to avoid foreclosure. I {am/am not} committed to staying in my home. My home {is/is not} on the market. {If it is on the market, indicate the current asking price, and if you are requesting approval of a short sale}.
{If you are trying to consolidate or restructure your loan, indicate that here, along with any plan you have in mind for doing so}.
I have attached all my relevant financial documents, including {list of what you’re attaching}. I hope we can work together to avoid the complications and price of foreclosure.
Please contact me at your earlier convenience.
Sincerely,
{Your Name}
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