[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-276789-105":53,"doc-detail-276789-en":126},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":119,"head_meta":121,"extra_data":123,"updated_unix":125},105,"en","example-hardship-letter","Example Hardship Letter","","Hardship letter guidance for borrowers entering a loan workout or loan modification process. Explains what a hardship letter should communicate: the event that caused missed mortgage payments and a brief description of current life circumstances affecting repayment ability. Provides practical writing advice on length and tone, emphasizing clarity for busy, backlogged lenders, and lists common hardship categories lenders consider. Includes direction to use provided templates as boilerplate and to ensure the letter is 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Lee","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-28","2026-09-15",true,{"@type":98,"interactionType":99,"userInteractionCount":35},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"What is the purpose of a hardship letter in a loan workout or loan modification?","Question",{"text":108,"@type":109},"A hardship letter explains the event that caused missed mortgage payments and helps the lender understand how your current circumstances affect your ability to meet financial obligations.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"How long should a hardship letter be?",{"text":113,"@type":109},"Keep it short and to the point—usually 1 page, and at most 2 pages, to clearly communicate your situation.",{"name":115,"@type":106,"acceptedAnswer":116},"What kinds of hardships do lenders commonly consider?",{"text":117,"@type":109},"Common examples include illness, job loss, reduced income, failed business, job relocation, death or divorce, incarceration, medical bills, military duty, and property damage from disasters.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},276789,1790222205,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":40,"category_name":41,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":35,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":9,"language":135,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":136,"faqs":137,"seo_title":138,"seo_description":61,"update_tm":139,"read_time":4},1236954509970,"https://us-avatar.wpscdn.com/davatar_6f874abed73319feea01a86fa6f0fab8","# Example Hardship Letter\n\nOne of the items your lender or servicer will ask for during the loan workout or loanmodification process is a hardship letter.A hardship letter is a written explanation as to what\"event\"has caused you to fall behind on your mortgage and it is vital in helping you stopforeclosure.  \nThis letter acts much like an outline or biography of your current “life”issues that are affectingyour ability to meet your financial obligations.  \nPlease keep in mind that you are composing the hardship letter for your lender or servicer andbecause of the foreclosure crisis,they are extremely busy and back logged.So,with that in mind,do not write a book because most likely it willnot get the attention of an over worked,$12 anhour loss mitigation employee.Keep it short and to the point.Usually 1 or at the maximum 2pages is more than enough to get your point across.  \nHere is an example list of hardships that lenders consider during the loan workout process:  \n·Adjustable Rate Mortgage Reset-Payment Shock(uncommon,but we will see morelenders accept this in the future)  \n● Illness  \n● Loss of Job  \n● Reduced Income  \n● Failed Business  \n● Job Relocation  \n● Death of Spouse or Co-Borrower  \n● Death  \n● Incarceration  \n● Divorce  \n● Marital Separation  \n·Military Duty  \n● Medical Bills  \n● Damage to Property (natural disaster or unnatural)  \nNow that you understand what your lender or servicer is looking for,it's time to sit down andwrite a hardship letter.I made it easy for you by giving you a couple of templates below that youcan use as a boiler plate for your own letter.Make sure you make it unique to your situation.  \nRemember that your hardship letter is only one piece of the loan workout process,but key inhelping you avoid foreclosure.You will still need to jump a few hurdles with your lender beforethey will approve you for any kind of work out plan.","cbCaiiadjWW0X2mQ","https://ap.wps.com/l/cbCaiiadjWW0X2mQ","pdf",397349,"English","# What a Hardship Letter Is\n## Purpose in Loan Workout\n# How to Write It\n## Keep It Short and Focused\n## Make It Unique\n# Common Hardships Lenders Consider\n## Employment, Health, and Family Events\n# Next Steps After Writing","[{\"question\":\"What is the purpose of a hardship letter in a loan workout or loan modification?\",\"answer\":\"A hardship letter explains the event that caused missed mortgage payments and helps the lender understand how your current circumstances affect your ability to meet financial obligations.\"},{\"question\":\"How long should a hardship letter be?\",\"answer\":\"Keep it short and to the point—usually 1 page, and at most 2 pages, to clearly communicate your situation.\"},{\"question\":\"What kinds of hardships do lenders commonly consider?\",\"answer\":\"Common examples include illness, job loss, reduced income, failed business, job relocation, death or divorce, incarceration, medical bills, military duty, and property damage from disasters.\"}]","Example Hardship Letter | PDF",1789495318]