A Hardship Letter is a letter that is written honestly and frankly by the homeowner who has financial difficulty or in the midst of financial trouble. This is addressed to the creditors that owns the title to the home. This letter also explains why the current homeowner is facing financial difficulties and the reason why he or she is unable to pay the monthly payment required to service the mortgage agreement.It is also explained with proof of how he or she is working to improve his/her financial situation.
Also included is the request for an extension to recover or catch up on missed payments. The creditors who are the recipient of such letter would discuss among themselves to approve or deny the application for extension. This will depend on their own criteria that they have set.
The hardship letter is accompanied by supporting letters and documents that highlight the current financial status of an individual. Hardship letter may help deal with foreclosure issues.
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