The hardship letter is something most lenders will require consider to consider you for a loan workout, the first step toward granting a loan modification. Let’s sample what should be included in a hardship letter. You need to consider this as your opportunity to appeal to the mortgagor to give you another chance – not to complain about the injustices of the bank. The hardship letter must be honest and represent the facts clearly. It needs to prove that the situation causing you to fall behind was temporary and you are now in a position to make your payments on time. You must also present a legitimate excuse for falling behind; financial problems alone are not an adequate excuse. Losing a job, a death in the family or an illness would be an acceptable reason to fall behind on your mortgage temporarily. The hardship letter must be unique to your situation, but it should contain as many of the successful elements of a sample hardship letter, a boilerplate, as possible. The following is our sample hardship letter list designed to give visitors a flavor of how a hardship letter should read, and how you should write one. Sample them, and good luck crafting your hardship letter!