Sample Letters to Creditors, Mortgage Companies and Landlords - Requesting Temporary Payment Reductions

Sep 16, 2026

Sample letters providing a practical template for communicating with creditors, mortgage companies, and landlords to request a temporary reduction in monthly payments or rent. The letters include key preparation steps, such as confirming details with the recipient before writing, sending the letter directly to the right contact, and providing necessary information like account number, property address, and reachable telephone number. Each sample explains circumstances affecting income and outlines a plan for making regular payments and staying in contact until work resumes.

LanguageEnglish

CategoryLetters

FormatPDF

Pages4

Reading Time2 min

AccessFree to download

Things to Consider

Speaking First and Confirming Requests

Sending and Tracking the Letter

Sample Letter to Creditor

Sample Letter to Mortgage Company

Sample Letter to Landlord

SAMPLE LETTERS Following are sample letters that you may use as a guide when working with your creditors. Unfortunately, we cannot provide you with personal legal advice. If you need legal advice to assist you in any response to creditors, landlords or the like, consult with your personal attorney or contact your state or county bar association, many of which maintain lawyer referral services. Things to consider: -Speak with your landlord, mortgage company, or creditor first before you write a letter. Just sending a letter may not be very effective as it will take a fair amount of time to get to the individual who needs to see it, if at all. Speaking with your creditors will enable you to work out the details of any payment plan that you can later confirm with your letter. -Be sure to send the letter directly to the person to whom you have spoken to confirm your request for a reduced payment plan. -Make sure that you have all the necessary information in your letter including account number, address of the property, and a telephone number where you can be reached. -Be sure to keep a copy of the letter. In some situations, you may want to send the letter by certified mail. You may also want to fax the letter to the company. Sample Letter to Creditor Dear (Name of Company or individual with whom you have spoken) This is to confirm our conversation of (date) in which we discussed a temporary reduction in my monthly payment. As we discussed, I am a Federal employee who has recently been furloughed due to a lack of funding of my agency. Because of this, my income has been severely cut and I am unable to pay the entire cost of my monthly payments, along with my other expenses. As we had agreed in our conversation, I will be able to make regular payments inthe amount of $ . I realize that I will be responsible to pay the remainder of the payments and, when I return to work, I will contact you immediately to work out a plan to take care of the reduced payments. I will also keep in touch with you to keep you informed about my income status. I appreciate your willingness to work with me and your understanding during this difficult time. Sincerely, (Name) | Account Number | | --- | | Address | Telephone Number Sample Letter to Mortgage Company Dear (Name of Company or individual with whom you have spoken) This is to confirm our conversation of (date) in which we discussed a temporary reduction in my mortgage payment. As we discussed, I am a Federal employee who has recently been furloughed due to a lack of funding of my agency. Because of this, my income has been severely cut and I am unable to pay the entire cost of my mortgage, along with my other expenses. As we had agreed in our conversation, I will be able to make regular payments in the amount of $ . I realize that I will be responsible to pay the remainder of the payments and, when I return to work, I will contact you immediately to work out a plan to take care of the reduced payments. I will also keep in touch with you to keep you informed about my income status. I appreciate your willingness to work with me and your understanding during this difficult time. Sincerely, (Name) | Account Number | | --- | | Address | Telephone Number Sample Letter to Landlord Dear (Name of Company or individual with whom you have spoken) This is to confirm our conversation of (date) in which we discussed a temporary reduction in my monthly rent. As we discussed, I am a Federal employee who has recently been furloughed due to a lack of funding of my agency. Because of this, my income has been severely cut and I am unable to pay the entire cost of my rent, along with my other expenses. · As we had agreed in our conversation, I will be able to make regular payments in the amount of $ . I realize that I will be responsible to pay the remainder of the payments and, when I return to work, I will contact you immediately to work o

FAQs

What should you do before writing a letter to a creditor, mortgage company, or landlord?

Speak with the landlord, mortgage company, or creditor first before writing. Discussing details upfront helps you agree on a payment plan you can confirm in the letter.

What information should be included in the letter?

Include necessary details such as the account number, the property address, and a telephone number where you can be reached.

How do the sample letters explain the payment reduction plan?

They confirm a conversation date and state that income has been cut, then commit to making regular payments in the agreed amount and staying in touch until the situation changes.

Sep 16, 2026

Upload by supergirl