A hardship letter, simply put, is a personal, heartfelt letter written to a lender or other relevant party explaining why you're unable to meet your financial obligations. It shares your personal circumstances, financial difficulties, and the assistance you're requesting to remedy the situation. It's an important part of a conversation with a financial institution, enabling them to understand your situation better and often used in conjunction with applications for loan modifications, short sales, or forbearance. The hardship letter template we provide caters to a wide range of circumstances and covers all essential aspects you'll need to articulate your situation effectively. The beauty of it? It's available in Word, PDF, and Google Docs formats. Just fill in the blanks, personalize it to your situation, and you're good to go! It's like having a guiding hand to ensure your message is accurately conveyed.