Writing A Hardship Letter Religious Accommodation Discrimination

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 Property Repairs

If you own a property, you are responsible for the financial costs required for keeping it in good condition. Unfortunately, there are times where this can cause you to become delinquent on other payments. For instance, you may not be able to pay your mortgage, certain loans, car finance, credit card bills, or any other bill that you may have. If this is the case, you may appeal to the goodwill of your creditors by writing a hardship letter.

Tips for Writing a Hardship Letter Property Repairs

Hardship letters are formal pieces of correspondence and must be treated as such. This means they should be in the right format and addressed to the right person. They should also not contain any grammar or spelling errors, so do have the letter proofread before you send it. Furthermore, these letters should be based on documented facts, and not on your feelings. Keep it short and to the point, sticking to a single page if you can, and attach any documents that prove your statements.

Starting Your Letter

Start your letter by explaining that you have become or about to become delinquent on the payments with the creditor you are writing to, and ask them for some time to help you restore the situation. Explain that you are trying to avoid a certain consequence, such as foreclosure or legal recovery action, and explain what bill you have with the creditor. Make sure that you include your account number and any other identifying information.

Content of the Hardship Letter

State that you have been the owner of the property, including the address, since a certain date. Explain that the property has required a number of repairs since then, which have cost you a significant amount of money. Include copies of documents indicating all of the repairs that have been completed, the cost associated with each. Go on to explain that you will need further funds to finish certain repairs and state the associated expenses. Include when you expect the repairs to be completed.

You then need to include a financial statement that demonstrates that you are unable to pay for the completion of the repairs on your property, while at the same time continuing with your other financial obligations. Include bank statements, copies of bills, and more. State that you have made all possible adjustments, such as cutting down on life’s luxuries and working more hours, in an effort to continue to make all necessary payments.

Ending the Letter

Finally, you should come up with a plan to repay the money that you owe. State when you believe your financial situation will be resolved, and how much you are able to pay until that point. Do not promise to make any payments at all, unless you are actually able to do so. Again, make sure that you have documented proof to demonstrate what you can or can’t pay at the present time, and what you will be able to pay once the repairs have been completed, and when that will be. In so doing, you show the creditor that you are willing to come to a resolution.

Writing A Hardship Letter To Veterans Affairs

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

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 Short Sale Bad Neighborhood

A short sale is an agreement by which you sell your property for less than the outstanding balance on your mortgage. If your lender agrees to a short sale, it means that the difference between the two will be dismissed completely. Unsurprisingly, therefore, it is quite rare for lenders to agree with this proposal. One case in which they may consider it, however, is if you have experienced hardship due to a bad neighborhood.

Basics of Writing a Hardship Letter Short Sale Bad Neighborhood

A hardship letter is a piece of formal correspondence that will be on your permanent record with the lender. You must therefore treat it seriously. These letters are supposed to be short and to the point, including all the important information that supports your request for a short sale. The first thing to do, however, is make sure that you write it in the appropriate formal format, that it is addressed to the right individual, and that it is completely free from spelling and grammar mistakes.

Starting the Letter

Start the letter by explaining that you wish to sell the property, highlighting its address and when you purchased it. Indicate which mortgage company provided you with a loan on the property, the amount of the loan, the duration of the loan, and the type of interest rate. Make sure that you include documented evidence for all of that.

Content of the Hardship Letter

You should then go on to explain that the neighborhood in which you live has changed and has turned into a bad one. Provide dates of key events and highlight those specific events that caused the change. For instance, it is common for taxes to rise year on year (highlight the rates and dates) and that this has caused many people to relocate. Identify the results of the event, such as an increase in crime, drug use, graffiti, or squatters. Again, make sure to provide evidence.

The lender is not looking for a sob story, only for facts. However, you can indicate that you currently feel unsafe at your property, and that this has affected your children or your ability to live a normal, productive life. Both these issues can have an impact on your finances, something that you should again provide evidence for if such is the case.

You should then state that you have been offered a short sale for the property. Indicate the date, amount, and name of the prospective buyers. Explain that you put the property up for sale on a certain date, and that you believe the offer is the best one that you will be able to receive, since the situation in your neighborhood has been on the decline ever since. If there have been any foreclosures in the area, make sure that you include this information as well.

Ending Your Letter

End your letter by expressing your gratitude for your lender’s consideration and time. Explain that you are very sorry about the situation, but that you believe this to be the best solution for all parties involved. Make sure to sign and date the letter, include copies of all your evidence, and send it through registered post.

Hardship Letter Short Sale Bad Neighborhood Example

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

{Date}

To Whom It May Concern:

To Whom It May Concern:

I am writing to request the short sale of the house at {address}, which I bought on {date of purchase}. At the time, {mortgage company} provided me with a {30-year, 15-year, etc.} mortgage of {amount in dollars}, with a {fixed/variable} interest rate.

Ever since {event}, my area has become a bad neighborhood in which to own property. Taxes have increased from {rate} to {rate} per year, while the estimated value of my house has fallen from {value} on {date} to {current value}. As the neighborhood has gotten worse, my neighbors have been forced to relocate, which has led to {squatters/graffiti/drug use/crime}. I feel unsafe going out in my yard, and it has become a struggle just to pay the principal on my mortgage.

I am including the offer from the buyer I found on {date}. I put the house up for sale on {date} and I don’t foresee getting a higher offer than {amount}. Property values have been steadily declining since {approximate time} and show no signs of improving. There have already been {number} foreclosures on my block alone and the situation has become dire. I cannot meet these payments and I am steadily going bankrupt.

I would appreciate any help you can give me regarding these unfortunate circumstances. I have enclosed the relevant financial paperwork that will help to illustrate my current situation, including {explanation of the paperwork you’re including}. I would also appreciate it if we could work out a plan that doesn’t require you to make a negative report on my credit.

I hope that my plan for this short sale is amenable to you. Thank you for your understanding concerning my situation and the necessity of this modification.

Sincerely,

{Sender Name}

Writing A Hardship Letter For Retirement Withdrawal

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

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 Short Sale Marital Separation

When a marriage breaks down and this results into a separation or divorce, the financial implications are quite significant. Suddenly, two combined incomes need to become two separate ones, with each covering the bills that were previously paid for by two. Additionally, there are other substantial costs associated with the marital separation, including legal costs, moving costs, therapy costs, and more. Hence, it is not uncommon for people in this type of situation to experience hardship. In fact, separation is one of the hardship causes that is accepted as a valid reason by virtually every institution.

Tips for Writing a Hardship Letter Short Sale Marital Separation

If you owned a house as a couple, you may need to sell it as part of your divorce conditions. A short sale means that you are accepting an offer on the house for less than the outstanding balance on your mortgage. If your lender accepts this offer, it means that the resulting shortfall will be forgiven. Unsurprisingly, you need to have a very good reason for the creditor to accept this. Writing a hardship letter is a formal request to do so.

The letter, which must be properly formatted and addressed and should be free from spelling or grammatical errors, you must indicate that you request a short sale. Make sure that the subject line includes your account number. In addition, also provide details about the property and its address. Also indicate who provided the original mortgage, under which terms and conditions, length, amount, and interest rate, as well as whether this was variable or fixed.

Content of the Hardship Letter

Generally speaking, hardship letters are about facts not feelings. This is true in this case, but as it is relating to a marital separation, it is acceptable for some emotive discussion to be included as well. However, overall, the lender wants to know the figures that are involved with the financial difficulties caused by your separation. You must, therefore, provide a brief explanation of the problems that have led to the separation, before highlighting the resulting extra costs (therapy, moving out, legal fees, and so on). Explain that it is not possible for either of the parties to buy the other one out of the property, which means a sale is the only remaining option.

You should then highlight that you have received an offer that would lead to a short sale. Explain who made the offer and when, and the amount offered. You must indicate that you do not believe that you will be able to get an offer that will be higher than the one you have received, and that, if the sale is not agreed to, you will likely move into foreclosure because of the hardship caused by your separation.

Ending the Letter

Finish the letter by showing your gratitude for the lender’s consideration. Show that you understand that the situation is not ideal for the creditor but it is the situation that has forced you to request a short sale. Remember that there is no guarantee that your request will be granted. Hence, always be polite and courteous, regardless of the response.

Hardship Letter Short Sale Marital Separation Examples

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

{Date}

To Whom It May Concern:

I am writing to try to request the short sale of the house at {address}, which I bought on {date of purchase}. At the time, {mortgage company} provided me with a {30-year, 15-year, etc.} mortgage of {amount in dollars}, with a {fixed/variable} interest rate.

Severe emotional and consequently financial difficulties have arisen as a result of marital problems in my home. After {brief, emotional description of family problems}, we suffered income loss due to {stress/spouse moved out/money spent on therapy}. We have worked very hard in the past to make sure that we were financially stable enough to afford the house payments, but we did not foresee the extreme emotional stress and subsequent expense issues caused by this separation.

I am including the offer from the buyer I found on {date}. I put the house up for sale on {date} and I don’t foresee getting a higher offer than {amount}. My spouse has already moved out and I am unable to meet the expenses of the mortgage, maintenance and repair on my own any longer. If I do not sell soon, I may go bankrupt.

I would appreciate any help you can give me regarding this extremely difficult situation. I have enclosed the relevant financial paperwork that will help to illustrate my current situation, including {explanation of the paperwork you’re including}. I would also appreciate it if we could work out a plan that doesn’t require you to make a negative report on my credit.

I hope that my plan for this short sale is amenable to you. Thank you for your understanding concerning my situation and the necessity of this relocation.

Sincerely,

{Sender Name}

Writing A Hardship Letter To Landlord

There is one bill that should always be paid, and that is your rent. If you are in a desperate situation and you genuinely cannot pay your bills, then speaking to your landlord is the first thing you must do. Other bills can wait to some degree so long as you are able to keep a roof over your head. And if this means you need to grovel a little bit, then so be it.

Basic Guidelines for Writing a Hardship Letter to Landlord

Hardship is defined as a circumstance beyond your control that causes your income to suddenly change. The key factor is that it is beyond your control. For instance, a forced reduction in hours is classed as hardship, whereas choosing to go part time is not. Similarly, a long standing medical condition does not classify as hardship, whereas developing a sudden illness would be classed as such. Hence, before you write this letter, you have to determine whether or not you are actually experiencing hardship at all.

The second issue is the type of landlord that you have. If you rent from an individual and you are on reasonably friendly terms with him or her, then there is no need for the letter to be overly formal. If, however, you rent from a huge housing association, then you do have to include some formality in your writing. In fact, they may even have a standard form that you have to complete.

Either way, you must make sure that your letter is free from grammatical and spelling errors. It should also be dated and addressed to the right person. Finally, you should keep it short, sticking to just one page if possible. These letters have to be about the facts. All landlords understand that you will be distraught and upset by your hardship, so there is no need to relate a sob story. Rather, you need to explain what has happened to put you in hardship, and what this means in terms of your income, and how long you expect the situation to last.

Content of the Hardship Letter

Make sure that you provide documented evidence about your income and expenditures, and what you have done to ameliorate the situation. For instance, if you have given up on certain leisure activities, or if you have taken on a part time job, you need to discuss this and provide some evidence. One other issue of extreme importance is that hardship is always only supposed to last for a short period of time. Hence, your letter should also discuss a solution for that particular period.

You should, for instance, offer to make reduced payments on your rent (indicate the exact amount and make sure that it is an amount that you can actually afford), and offer to pay for the shortfall later by increasing your rent payments after your hardship situation has been resolved. If at all possible, you need to tell your landlord when you expect this resolution to be in place. Remember to be open and honest at all times. Do not make any promises that you cannot keep and do not place blame on your landlord in any way.

Writing a Hardship Letter Delinquent Rent

If you are experiencing some sort of hardship, it will have a significant impact on every element of your financial life. This includes your ability to pay your rent. If you don’t pay your rent, your landlord will eventually take out legal action, leading to an eviction notice. You can avoid this by being open and honest about your situation. If you write a detailed hardship letter delinquent rent, which explains why you are in the situation that you are in, there is a chance that your landlord will be sympathetic to your situation.

Why Your Landlord May Agree to Your Request

Generally speaking, taking legal action against a delinquent tenant is very expensive. It also means that once you have been evicted, significant repairs will have to be made on the property and that a new tenant will have to be found. Hence, it is easier for a landlord to give you some leniency if you can demonstrate that your situation is temporary and that you are doing all that you can to change the situation for the better.

Tips on Writing a Hardship Letter Delinquent Rent

  1. Place your landlord’s name and address at the top of the letter, and make sure that you date it. Start your letter formally, using the word “Dear”, followed by the name of your landlord.
  2. Begin by telling your landlord that you are aware of the fact that you are delinquent in your rent and apologize. Make sure that you write down all the positive things that you have done as a tenant during your time in the property. For instance, describe how your apartment has always remained clean and orderly, and that you have always made your payments on time so far, if those are true.
  3. Explain that you are currently experiencing financial hardship, and what has caused this. Make sure that you provide as much detail as possible that explain why your rent is still unpaid. For instance, if you have been in the hospital, facing not just expensive medical bills but also loss of income as a result of not being able to go to work, then you need to include all the relevant data and the costs associated with that.
  4. Only provide facts and be clear and concise. Your landlord is looking for facts, not for emotions. He or she will be able to understand the situation that you are in and you do not need to explain how you feel. Just be sincere and polite, which is what will get you sympathy.
  5. Inform the landlord about your plan for resolving your current situation. Develop an installment plan that you think you can afford. Indicate if you will be missing any future rent payments and, if so, how the shortfall be paid over time. Make sure that you demonstrate that you are proactive, and that you do not foresee the situation to last for a long time. Thank your landlord in advance for understanding the situation and giving you some consideration.

Hardship Letter Delinquent Rent Example

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

{Date}

Dear {Landlord Name}:

I find that due to {brief description of hardship}, I am unable to pay next month’s rent by {due date}. These circumstances were unforeseen and a one-time occurrence.

I have always understood the importance of paying my bills in a timely manner, and I would like to be proactive in finding a solution for this unfortunate situation. I would like to request {an installment plan, interest on my next rent, etc.} to make sure that you get the full rental amount as quickly as possible.

I’m sorry to inconvenience you, and I appreciate your understanding during this difficult situation. Thank you for your consideration.

Thank you,

{Sender Name}