Writing A Hardship Letter Religious Accommodation Discrimination

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Religious beliefs may exempt you from participating in certain functions or completing certain actions. However, the rules do stipulate that you must make requests for certain accommodations based on your religious beliefs. You cannot, in other words, expect an employer or any other form of organization to guess what your religious beliefs are, and to put the appropriate measures in place. Hence, you will need to write a hardship letter religious accommodation discrimination.

Basics of Writing the Hardship Letter Religious Accommodation Discrimination

Your letter should be a formal one, addressed to the right person. This is likely to be your HR representative, but do check on that first. Make sure, as well, that the letter does not contain any grammatical or spelling errors.

Starting the Letter

The letter should make it clear that you are requesting reasonable accommodation in view of your religious beliefs. For instance, state that there is a company policy in place that requires you to do certain things that are not acceptable within your religion. Attach a copy of the policy, highlighting the issue at hand. For instance, your company may have a certain dress code that you cannot adhere to, expect you to work on what is classed as a day of rest in your religion, and so on. Make sure that you make it very clear what it is that you cannot comply with and why.

Describe the Teachings of Your Religion That Are Relevant to Your Request

State that you are a practicing member of a certain religion. Explain that, under the doctrine of a certain belief in your religion, you cannot perform certain actions, such as shaving your beard or working on Sundays, for example. Based on that, state that you are now requesting for Reasonable Accommodation to be made within your company. Describe what you expect this “reasonable accommodation” to be. For instance, you may ask for a shift swap, provide a substitute, or ask them to waive the requirement in full.

Legal Aspects of Reasonable Accommodation

You are entitled to make this request, and your employer must make these accommodations based on the law of Equal Employment Opportunity. However, the law does stipulate that the employer only has to conform if the accommodation will not cause the company any undue hardship. Hence, your letter should also explain how your request will only pose a minor burden. State that your request is not costly, inconvenient, or unsafe in any way, and should therefore be granted.

Ending the Letter

Always end a letter by thanking your employer for their kind consideration. Be courteous and professional and show that you are willing to meet your employer halfway. For instance, if you are unable to work on a Sunday, offer to work on a different unpopular shift instead, so that your colleagues are not disproportionately disadvantaged by your request either. A final thing to remember is that, as stated, while it is your right to have these accommodations made where possible, you must formally request them. It is your responsibility to make sure your employer has received the letter, and it is your responsibility to follow it up to make sure that your requested changes have been made.

Hardship Letter Religious Accommodation Discrimination Example

{Your Name}
{Your Address}
{Your Phone #}
{Your Loan #}

{Date}

To Whom It May Concern:

I would like to make a request for reasonable accommodation due to religious belief. According to company policy at {Company Name}, I am required to {participate in function/religious event, follow certain dress codes, work on certain days, work certain hours, etc.}. I would like to request an exception based on my religious beliefs and practices.

I am a practicing member of {Religion}. As such, I am unable to {work on Sunday mornings, shave my beard, etc.}. I request Reasonable Accommodation to have {Company Name} {waive the requirement, provide a substitute, allow shift swap, etc.}.

Under the Equal Employment regulations, I am entitled to accommodations provided that they do not cause undue hardship to the company. As this would cause minimal burden for only minor {rescheduling, uniform changes, etc.}, I believe that such a request would not be unsafe, inconvenient, or costly.

Please let me know your decision at your earliest convenience. Thank you for your consideration and understanding in this matter.

Sincerely,

{Sender Name}

Writing A Hardship Letter To Veterans Affairs

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If you are a veteran, or surviving relative of a veteran, you may be receiving payments from Veterans Affairs. Unfortunately, they may at times commit some errors, such as overpaying you. It is all too common, in those situations, for recipients not to notice the overpayment and simply spend it, which could leave them in a situation of hardship when Veterans Affairs requests for the return of the said amount. If this has happened to you, then you may want to consider writing them a hardship letter.

Basic Rules for Writing the Hardship Letter

Your hardship letter should be a formal letter. This means that it should be presented properly, addressed to the right person in the right department, and free from grammar and spelling mistakes. It should also include your case number in the subject line, so that it is easy for Veterans Affairs to find your case.

Starting the Letter

Start by providing some personal identifying details such as your name and date of birth, which will allow the reader to check your file. Explain that, on a certain date, you received a letter from the office that stated you had received an overpayment and would now be charged for this. Make sure to include the dates and amounts, and that you attach copies of the letters that you have received. Make it very clear, at this point, what you are requesting, such as a full waiver of the amount, or some sort of payment arrangement. State that, if the amount will be charged, you will find yourself in a situation of extreme financial hardship.

Explaining Your Situation

You must then explain your side regarding the overpayment. For instance, you may have received an overpayment for several months and you have not have been aware of the mistake at all. If this is the case, include evidence to support this through statements from Veterans Affairs highlighting the payments. State that, as you believed the payments to be correct, you have spent the money on certain things, highlighting what those things are. Explain that if you have to repay the total amount that has been overpaid, it will cause you to undergo financial hardship.

Some Advice

With a hardship letter, what matters are the facts not feelings. Hence, avoid describing your emotions. Rather, stick to documented evidence such as receipts, payment stubs, bill payments, bank account statements, and more. These are the documents that will prove that you will suffer financial hardship if you are forced to pay immediately. Explain that the disparity that will be caused by not just a decrease in the payments because you will no longer receive the amount that you have been used to, having to pay back what was overpaid all at once, will be too much for you to handle.

Ending the Letter

End your letter by thanking the Veterans Affairs representative for giving you some time and consideration. Keep photocopies of everything that you have sent, and post the letter through recorded mail. If, after one week you have not received a reply, make sure to follow up.

Hardship Letter To Veterans Affairs Example

{Your Name}
{Your Address}
{Your Phone #}
{Your Loan #}

{Date}

To Whom It May Concern:

My name is {Name} and my case number is {number}. On {date}, I received a letter from Veterans Affairs notifying me that I had been overpaid and was being charged {monetary amount}. I would like to request a waiver based on extreme financial hardship.

I received the notice of overpayment and subsequent charges on {date}. However, the amount charged to me was paid as part of my benefits over the last {amount of time}. I have already spent the money on {necessary expenses}. If I am forced to pay back the amount, I will be forced to {consequences}.

I am attaching my payment stubs, receipts, {additional documentation of mortgage, medical bills, etc.} and bank account information to prove the full extent of my hardship. I will not be able to cope with a disparity this large in my finances.

Please consider the difficult situation that these circumstances have put me in when reviewing my case. Thank you for your consideration and understanding.

Sincerely,

{Sender Name}

Writing A Hardship Letter To Utility Company

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If you have found yourself in some sort of financial difficulty or hardship, it can become very hard or even impossible to pay your bills on time. One of the bills that may be affected would be for the utility companies. If you are in hardship and you have just received your quarterly adjustment, you may find it even more difficult to make your payments, particularly if you find yourself in debt. Should this happen, it may be tempting to simply not pay your bills, but you will only end up having your utility service disconnected. It is better, therefore, to write a hardship letter to the utility company, explaining what is going on and asking for a reprieve.

When Writing a Hardship Letter to Utility Company

This type of letter must be a formal letter that is properly addressed to the right person, in the right format. It should also be free from spelling and grammatical errors, and you must make sure that it is dated. Make sure to also have it proofread.

Identify Yourself and Explain Why You Are in Hardship

Start your letter by explaining who you are and your address, including your account number with the utility company. Next, tell them that you are aware of the fact that you have been delinquent in your payments and that you have received notice that your service will soon be disconnected. Apologize for the situation that you are in and explain that you are requesting for some leniency because you are currently experiencing severe financial hardship. You must also explain why you are in hardship, and how, if applicable, a utility disconnection will affect you and your family. For instance, you or someone you care about may be extremely ill and having the service disconnected could mean that this will prevent proper storage of medicines.

Attach Any Documentation to Prove Your Claims

You must indicate that the hardship you are experiencing made you unable to pay for your utility bills. Attach any proof that you have in relation to this, including proof of income, receipts, bills, payments you have already made, and more. Do also include, if applicable, doctors’ or specialists’ letters that confirm that you are in the current situation and, specifically, that there is a direct need for a continuation of the utility service in order to maintain proper care.

Describe How You Plan to Remedy the Situation

Finally, propose a solution to the problem. While it is not always known how long a hardship situation will last, it is common to have a reasonable estimate. You may, for instance, be making reasonable adjustments so that you can protect your income or put care in place for an elderly person. Make sure to inform the utility company when you expect to be able to make payments again, and you must be realistic in that. Also tell them how much you are able to pay at present, even if that is only $1 a month, and how you propose to make up for the shortfall once your situation has improved.

Remember that the utility company is not interested in your feelings. Rather, they want to hear the facts and how you aim to resolve your problems. In so doing, you stand a better chance of having your request granted.

Hardship Letter To Utility Company Example

{Your Name}
{Your Address}
{Your Phone #}

{Date}

To Whom It May Concern:

My name is {Name} and I reside at {address}. I am writing because {Utility Company} is planning to suspend the {gas/electricity/water/etc.} at my residence due to lack of payment. I am requesting leniency due to severe financial hardship, and because a member of the household is extremely ill and requires utilities.

I am currently unable to pay the utilities’ fee due to {reason}. I am attaching proof of income, bills, receipts, and other payments to this document. I am also including a doctor’s note from {Doctor} verifying that {Ill Person}, a resident of this house, is extremely ill and requires utilities for proper care.

Please consider our situation. I sincerely appreciate your understanding and assistance in this matter. Thank you.

Sincerely,

{Sender Name}

Writing A Hardship Letter For Retirement Withdrawal

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It is incredibly rare to be allowed to withdraw funds from a retirement account. If it is allowed at all, it is heavily taxed and various other terms and conditions are attached. For instance, you will not be allowed to add new funds to the retirement account for a certain period of time, which is usually 12 months. Most of all, you must be able to demonstrate financial hardship. Nobody ever expects to be in such a situation, but it can have dire consequences on your life and your dependents. Hence, in some cases, consideration may be given.

Specifics of Writing the Hardship Letter

If you do have to write a hardship letter, then you must make sure that you write it correctly. This means that it is written in good English, and is free from spelling and grammatical mistakes. Additionally, you must provide all the necessary information that the company is looking for. This includes your name and address and your account number. You also have to be detailed, telling them exactly how much you want to withdraw, where from, and why.

Indicate that You Are Aware of the Consequences

It is of extreme importance that you make it clear that you are aware of the fact that being allowed to withdraw money from a retirement account is very rare. You should also indicate that you understand that by withdrawing an amount before the expected closing date, you may have to pay a variety of fees, which include early withdrawal fees and taxes.

Describe Your Financial Situation Properly

Naturally, you also have to provide a proper description of your situation. You must be completely open and honest about this, but don’t relate a sob story. Rather, you have to be clear about what has happened, and most of all, clear about what would happen should you not be allowed to withdraw from your retirement account. For instance, you may have to declare bankruptcy, lose your car, find yourself unable to pay for your medical bills, face foreclosure, or be unable to pay for funeral expenses.

Finalizing the Letter and What to Do After Sending It

The final thing you have to add in your letter is an explanation of how you aim to recover from your hardship. In all cases, consideration will only be given if the situation you are in is of a temporary nature. If your situation is such that even with the withdrawal, you will simply be postponing the inevitable, then it is unlikely that it will be accepted.

You should also add any necessary paperwork to your withdrawal request. These should include copies of your retirement account, and also copies of the expenses you have to face, the reason for your hardship (for instance a letter of redundancy), and any other documented evidence that you may have. Do make sure that you keep photocopies of everything that you send, and do send the letter via registered mail, requesting a receipt, if possible. Last but not least, you should regularly contact your retirement fund to determine whether the letter has been received and the status of your request.

Hardship Letter For Retirement Withdrawal Example

{Your Name}
{Your Address}
{Your Phone #}

{Date}

To Whom It May Concern:

My name is {Name} and I have an account with you under Account {Number}. I am writing to request a withdrawal of {monetary amount} from my {Name} account due to extreme hardship.

I understand that by withdrawing money from my 401K before {year}, I am subject to early withdrawal fees in the amount of {monetary amount}. However, I was faced with sudden and unexpected hardship on {date} when {I lost my job/was injured/had a family member die/etc.}. I am now in danger of {foreclosure/crushing medical bills/losing my car/going bankrupt}.

I have attached the necessary paperwork to this letter, documenting my necessary expenses and how the withdrawal will meet these charges.

Please grant me the {amount} so that I can recover from this temporary hardship. Thank you for your consideration and any help you can provide.

Sincerely,

{Sender Name}

Writing A Hardship Letter For Reasonable Accommodation

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If you are classed as disabled under the Americans with Disabilities Act (ADA), then reasonable accommodations may need to be made to enable you to work. Indeed, it is a legal requirement for employers to make such provisions. However, it is your responsibility to tell them that you have a disability and that you require such a provision. The best way to do that is through a hardship letter.

Understanding Reasonable Accommodations

Reasonable accommodations are classed as changes or other forms of help to the workplace or the job itself that will make it possible for someone with a disability to perform his or her job. This can be structural (widening a doorway, adjusting lighting), technological (voice-activated software), or strategic (changing uniform or allowing flexible hours).

Requesting for Reasonable Accommodations

It is your responsibility to tell your employer that you have a disability and need a reasonable accommodation. They do not have to anticipate this in other words. Under the ADA, disabled persons have the right to request accommodation, but it is their responsibility to ask for it.

You do not have to write a letter to request an accommodation nor a specific type of wording. In other words, it doesn’t have to be a formal request. However, making a formal request is generally better, not in the least because it leaves a paper trail should your employer take too much time or should you have a dispute at a later stage.

What to Include in the Letter

In your letter, you should make sure that you provide all relevant information. This includes the nature of your disability, the impact of your disability on your life, what parts of your job may require reasonable accommodation, and what specific accommodations are needed. You also need to include a number of key facts, including:

  1. Your name, employee number, and position. Do make sure to include this information, even if the letter is addressed to someone like your immediate supervisor or anybody else whom you are familiar with. It is likely that your letter will travel up the chain of command, going through different departments, and they may not know who you are.
  2. The date, which may be of vital importance if there is ever a dispute at your workplace.
  3. Full details about the disability that you have, identifying it by name and explaining what it is and how it affects you and your ability to perform your tasks.
  4. A complete description of the accommodation that you require. That is, at the end of the day, the point of the letter.
  5. Ideas for accommodation. Perhaps you already know exactly what you need in order to be able to do your job. If so, then you should put this in your letter. Again, don’t make others guess what you need.
  6. Copies of any medical information that you have. For instance, a letter from your physician that explains your condition and how it limits your life can be very beneficial. You could also state that any medical information can be provided upon request.

Hardship Letter For Reasonable Accommodation Example

{Your Name}
{Your Address}
{Your Phone #}

{Date}

To Whom It May Concern:

Due to the hardship caused by my {permanent/temporary} disability, I would like to request {an interpreter/an assistant/reassignment/a modified job site/modified duties}. I write this letter as a request for Reasonable Accommodation under the Americans with Disabilities Act (ADA).

On {date}, {description of event that caused disability, or description of disability when hired}. Unfortunately, my disability keeps me from being able to adequately perform the work required at my job without {accommodation}. At this time, I am unable to meet my job requirements because {description of restrictions caused by disability}. If I were to receive {accommodation}, {projected result}.

The Reasonable Accommodation Act ensures that I receive necessary accommodations, provided that it does not cause undue hardship on {Company Name}. I believe that since it would require {projected effort/cost} and would not compromise safety, interrupt workflow, or inconvenience other workers, this request falls within those parameters. I am a hard worker and with minimal accommodation I can perform my duties to their full extent.

Thank you for your consideration and understanding in this matter.

Sincerely,

{Sender Name}

Writing a Hardship Letter Single Parent

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The finances of a single parent are incredibly complex. Many struggle financially, particularly if the other parent of the children had suddenly left, or had suddenly stopped providing child support payments. If this happens to you, and you have financial obligations, you may want to write a hardship letter single parent.

Describe Your Goal in Writing the Hardship Letter

Your letter should start by explaining what you are hoping to achieve. For instance, you may request debt forgiveness, delay payments, restructure a payment plan, avoid foreclosure, or consolidate your loan. You also have to make sure that you provide clarity on which financial obligation you are experiencing difficulty in paying, such as medical bills, credit cards, car loans, personal loan, or mortgage.

Highlight the Fact that You Are a Single Parent

You should then highlight that you are a single parent and provide details of your children. Make sure that you include their names and dates of birth, so that it is clear how many children you are caring for as well. You should then explain that the children’s other parent is no longer reachable and that you are not receiving child support payments. Stress whether or not such payments have been received before. Make it clear that your income (specify your income) is not sufficient to provide your children with the necessary home, food, and shelter.

Explain Why You Did Not Experience Difficulties Before

Go on to explain why you did not have difficulties in the past. Perhaps you had a high enough salary, but now have been forced to accept a reduction in hours. Perhaps the other parent sent child support payments in the past. Perhaps one of your children has had a change of circumstances. For instance, a particular child may require special care, is moving to college, or has been diagnosed with a disability or illness. Explain that these circumstances have placed you in some difficulty and that, since your children come first, you want to do whatever you can to make sure they get what they need.

Ask the Creditor for Assistance

Last but not least, ask your creditor for assistance and to understand the difficult situation you have found yourself in. Make sure that you attach any documented proof of the problems you are facing, such as letters from school, income stubs, bank statements, mortgage statements, and doctors’ letters. Detail your circumstances as much as possible and, if you want your mortgage to be deferred, highlight that you do want to remain in your property. Don’t forget to include a plan of action to be able to repay the debt that you now owe. Lastly, make it clear what you are actually asking for – stopping payments altogether, having lower monthly payments, freezing the interest rates, and so on.

Creditors understand that negative situations do happen. If you can demonstrate that you have done all you can to ameliorate the situation, that there have been circumstances beyond your control, and that you are not spending on frivolities like vacations and other non-essential bills, then it is likely that your creditor will consider your request.

Hardship Letter Single Parent Example

{Your Name}
{Your Address}
{Your Phone #}

{Date}

To Whom It May Concern:

To Whom It May Concern:

I am writing to try to {consolidate my loan, avoid foreclosure, restructure a payment plan, delay payment, request debt forgiveness} for {my mortgage, my personal loan, car loan, credit card bill, medical bill etc.}.
I am a single parent to {number} children: {Name}, aged {age} and {Name}, aged {age}. Their {father/mother} is not in the picture and stopped paying the court-mandated child support on {date}. Therefore, I have been providing a home, food and shelter for them on one income of {amount} per year.

In the past, my salary has been enough to adequately provide for my children. However, as of {date}, {new circumstance such as child going to college, child being diagnosed with illness/disability, child requiring special care}. This has put me in a difficult situation, as my children come first in my life and I would do anything to make sure they’re cared for.

I would like to ask your assistance in this difficult situation. I have attached {doctor’s note/bank statement/income stub/letter from school} detailing my circumstances. {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}

Writing A Hardship Letter Auto Loan Modification

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It is important that you write a request for auto loan modification properly. It has to be short and to the point, containing only the right information. If you want your loan to be modified as a result of hardship, you must make this very clear.

These types of letters are very formal, and they are a way of asking for help from creditors. You hope that, by understanding your situation, they will be willing to make a short term change to your terms and conditions that are easier for you to comply with.

Basic Rules for Writing a Hardship Letter Auto Loan Modification

You must clearly explain your hardship and provide sufficient evidence for it as well. Remember that the creditor is interested in facts. Hence, avoid becoming emotional about your situation. Indications of hardship could be things like:

  1. An unexpected reduction in income
  2. A death in the family
  3. Medical bills and/or disability/illness
  4. Losing your job

You should also state what efforts you have made to keep up with your payments. For instance, you may have canceled memberships to the gym and Netflix, and you may have taken on a part time job.

You must make sure that the letter is addressed to the right person. Hence, contact your lender first and ask to whom it should be written to. It is also possible that the auto loan company has a standard form that you must fill in to accompany a hardship letter.

What to Do

Some tips for writing a hardship letter of this kind:

  1. Keep the letter on one page.
  2. State all facts succinctly, objectively, and clearly.
  3. State that you want to come to a resolution.
  4. Attach all documented evidence to prove your current situation.
  5. Thank your creditor for their time and consideration.

What Not to Do

Some of the things you should not do in auto loan modification hardship letter:

  1. Overdramatizing or exaggerating the hardship situation you are in.
  2. Making false claims.
  3. Promising things that you will not be able to deliver on.
  4. Placing the blame on the creditor rather than on yourself or the situation being beyond your control.
  5. Being threatening, such as stating you will file for bankruptcy if you don’t get help (although you can mention that you may be forced into bankruptcy).

The most important thing is that you take responsibility for your own actions. Hardship is mostly caused by external events beyond your control. However, this doesn’t mean that you should play the blame game. Rather, you should demonstrate that you have been proactive in changing the situation and that there is simply nothing else that you can do. State as well that you will be willing to make alternative payments, if that is possible. Finally, you must make it very clear what type of modification you are looking for. This could be a freezing of payment, no longer having to pay interest, a break in payments, lengthening your agreement, and so on.

Hardship Letter Auto Loan Modification Example

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

{Date}

To Whom It May Concern:

I am writing to try to request a modification to my car loan, since I am unable to meet my current payments. Specifically, I would like to {lower the interest rate/remove delinquency fees/forgive delinquent payments}.

My auto loan has proven unmanageable and as of {date} it is especially problematic because {the car has lost value/the loan value is upside down/I’ve experienced sudden, unexpected financial difficulty}.

As of {date}, I {owed more for the loan than the car was worth/I was involved in an accident that wasn’t my fault/I lost my job, etc.}. I would like to avoid repossession, but I can think of no way out of this situation without a loan modification.

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}

Writing A Hardship Letter Fee Waiver

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A hardship letter fee waiver is a formal written request in which you are requesting an entity to which you owe money to forego of a fee, penalty, or other form of restriction that has been imposed on you. There are different types of fees, some of which are included as standard but many of which are charged as a type of penalty. For instance, if you let a check bounce or if you miss a payment on your credit card, you may be charged a late payment fee. Unfortunately, these fees often make the financial difficulties you are experiencing even worse, which is why you may want to write a hardship letter.

Before looking at what should be included in the letter, it is important that you understand that there are no guarantees. Fees are charged as part of the terms and conditions that you signed up to when you agreed to a certain service. Hence, although some entities may be understanding of your situation, they are under no obligation to grant your request.

What the Hardship Letter Fee Waiver Must Contain

A hardship letter fee waiver is a formal letter and should be treated as such. This means that it has to be addressed to the right person in the right format. This includes a proper address, and an explanation of what is happening. A good letter is one that fits on a single page, and it can be difficult to convey all the information that you want to pass on in such a small space. However, this demonstrates the importance of focusing on facts.

What the Hardship Letter Must Indicate

What your letter should indicate is why you were charged a fee and why you are requesting that they waive it. You should explain that you are in financial hardship due to specific events and provide evidence of this hardship to the entity to which you are writing. Anything you claim should be supported by evidence, of which you should attach copies. These should include things, such as termination of employment, an unexpected reduction in hours, medical bills, the death of a loved one, etc.

You should also explain why you ended up in the situation in which the entity had to charge a fee. Do not, however, blame them for this. Again, the fee is part of the terms and conditions that you have agreed to. However, you can state that the fee would be impossible for you to pay right now as you are already experiencing hardship.

The letter should also include your solution. For instance, if you have been charged a late payment fee for your cellphone bill, make sure that you have paid the bill to which the fee was attached before you ask them to waive the fee. Creditors can be understanding so long as the hardship is genuine and properly explained. This means that you have to be straight to the point and present them with facts. They are not interested in hearing how those facts have made you feel.

Hardship Letter Fee Waiver Example

{Your Name}
{Your Address}
{Your Phone #}

{Date}

To Whom It May Concern:

I am writing this hardship letter to request that my application fee be waived in light of my financial circumstances.

My family and I are hard workers, but this expense would be an undue hardship upon our situation. My parents’ total income is {amount} per year, but in addition to that they are supporting {number} dependents and paying {amount} for schooling between {number} of their children. Furthermore, recently {illness, natural disaster, family death} has cost them {rough amount} in {hospital bills, fees, etc.} I hope it is clear to you that, while I am both ambitious and determined concerning my education, I cannot hope to be considered without this waiver. It would mean a lot with regards to my future.

I am attaching my parents’ income reports and expense worksheets as well as their returns from the past year. I am also attaching my transcript, as proof of my hard work and enthusiasm in apply to this {institution}.

Thank you for your time and consideration.

Sincerely,

{Sender Name}

Writing A Hardship Letter Breaking Lease

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If you have signed a lease on a property, you will be contractually obliged to remain in that property for a set period of time. However, situations may change and they may force you to to break the lease. A situation of financial hardship may be accepted for this, although you will have to write a formal letter to your landlord.

Some Basic Guidelines in Writing the Hardship Letter

The said hardship letter is a formal business letter. This means it must be properly formatted and addressed. It must also not contain any grammar or spelling errors. The letter has to be factual, short, and to the point.

Indicate who you are and which unit you currently lease. Explain when your lease started, and state that there has been a significant change in your financial situation, which is forcing you to break your lease. State that you hope the landlord will agree to breaking the lease without charging you a monetary penalty for doing so.

Explain How Your Situation Has Changed

Discuss that particular change in your financial situation that is causing you to break your lease. Some commonly accepted reasons are divorce or separation, a failing business, death in the family, and sudden illness or disability. Specify your reasons and provide evidence through documents. Elucidate on how this situation has impacted your financially where you are no longer able to pay for the lease payments. Provide copies of your other bills as evidence of this.

Make a Goodwill Gesture

In order to appease your landlord, you may want to make a goodwill gesture. For instance, you can offer to help in finding a new tenant by advertising through your social media accounts. You could also suggest, if that is the case, that you already know someone who would be happy to sublet the property until the end of your lease arrangement. Subletting is usually not accepted under a lease arrangement, however, so make it clear that you have not set this in motion yet, but that you feel it could be a good opportunity to resolve the situation.

Should subletting not be an option for you or for your landlord, then you may need to request that the penalty associated with breaking the lease be waived. The nature of this penalty is detailed in your original lease arrangement. It is usually a number of months’ rent, which means that it can be quite substantial. You may need to explain, therefore, that the situation you are in has been completely unexpected and has already caused you some financially hardship, and that having to pay such a huge penalty would be impossible for you.

Ending the Letter

In ending the letter, make sure that your landlord understands that your situation is beyond your control, and that you are willing to resolve it in the best way possible. Remember to keep photocopies of your letter and that you send it by registered post. Do also follow up with your landlord if there has been no reply within one week.

Hardship Letter Breaking Lease Example

{Your Name}
{Your Address}
{Your Phone #}

{Date}

To Whom It May Concern:

I am the tenant living in {rental unit} at {address}. I have been residing there since {month, date}. I am writing because my financial situation has changed in recent weeks. I need to break my lease early, and I am hoping I can do so without monetary penalty.

My income has become significantly reduced recently, due to {sickness, death in the family, job loss, etc. Be specific}. The money I have remaining every month must go to {food, car payment, medication, etc.} and so I do not have enough left over to pay for rent.

I am happy to help advertise my apartment for another tenant, or to look for someone to sublet the unit until my lease is up. Since subletting is restricted in the tenant handbook, I wanted to check in with you on the proper procedure before taking that approach.

If subletting is not an option, I hope that there is a way that you can reduce or forgive the penalty for breaking the lease early. I am not trying to avoid my responsibilities, but these new circumstances have been both unexpected and financially devastating.

I apologize for any inconvenience this causes you and I look forward to speaking with you soon.

Sincerely,

{Sender Name}

Writing A Hardship Letter Auto Loan

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A hardship letter auto loan has to be properly written to maximize its chances of being successful. This means that it has to be formatted the right way, and that it includes the correct information. This will greatly increase the chances of the request being granted. The letter is a formal letter in which a creditor is requested by the letter writer to help financially by changing the terms and conditions of the loan. Some lenders have specific forms for this, which you should complete as well as sending the letter.

What to Include in Your Hardship Letter

In hardship letters, you have to clearly explain what is happening, without becoming emotive. It is about presenting the facts, rather than laying on the waterworks. Tell your lender if your income has been reduced, if you have lost your job, or if you have had unexpected expenses due to medical bills. Tell the lender what you have done to try and keep up with your bills, such as taking on a part time job or giving up on a gym membership. Do not tell your lender how all of that has made you feel, however, because that is irrelevant.

Key Tips in Writing a Hardship Letter Auto Loan

Naturally, you must make sure that the letter is addressed to the right person and that it is written in the right language, and is free from grammatical and spelling errors. Some key tips are mentioned below.

  1. Make sure that your letter is one page only.
  2. Include succinct, objective, and clear facts only.
  3. State that you wish to resolve the debt.
  4. Include all relevant documentation that proves your hardship and your efforts to turn it around.
  5. Thank your creditor for taking the time to read your letter and considering your request.

Things to Avoid When Writing a Hardship Letter Auto Loan

  1. Making your situation sound more dramatic than it is, or otherwise exaggerating your hardship.
  2. Lying or including any false claims, even if you believe they cannot be checked.
  3. Promising things that you cannot guarantee, such as catching up with missed payments by a certain date.
  4. Blaming your lender for the difficulty that you are now in.
  5. Writing an ultimatum, such as stating that you will claim bankruptcy if they don’t help you.

Remember that when the auto loan was provided to you, it was on the basis that you could afford it under your circumstances at that time. Whatever circumstances that have caused you to be in hardship right now, are not the fault of the lender. In fact, if at all possible, you should avoid placing blame at all. Do not use the word “because” in the hardship letter too often, in other words.

A final thing to remember is that you have to make sure that you take a photocopy of everything that you send to them, and that you use registered mail with receipt. Do also follow up after a week, to make sure that your letter has been received.

Auto Loan Hardship Letter Example

{Your Name}
{Your Address}
{Your Phone #}
{Your Loan #}

{Date}

To Whom It May Concern:

I am writing this letter because I am no longer able to meet the monthly payment for my car loan. I have currently paid {amount} of {total}. I am due to pay {amount} for the next {number} months. I cannot pay that amount, but I could pay {amount} over the next {number} months instead.

I am unable to make my payments on time because of a sudden financial crisis. In the last few weeks I have had to cope with {job loss, family member death, be specific}. I am working hard to get back on my feet, but if I am unable to reduce or extend my payment period then I will have to file for bankruptcy, which I am hoping to avoid.

I need my car for {job purposes} and am hoping to avoid repossession. I am attaching my financial documents such as {documents}, which should indicate the suddenness and seriousness of my situation.

I look forward to hearing from you soon so that we can work out an acceptable payment plan for the future.

Sincerely,

{Sender Name}