3 Effective Hardship Letter Templates for Divorce

Divorce can bring about significant financial challenges. Here are three detailed templates to guide you in writing a hardship letter due to divorce.

Template 1: Hardship Letter for Loan Modification





[Your Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Phone Number]
[Date]

[Recipient’s Name]
[Title]
[Institution/Company Name]
[Address]
[City, State, ZIP Code]

Dear [Recipient’s Name],

I hope this letter finds you well. I am writing to formally request a loan modification on my mortgage due to financial hardship resulting from my recent divorce. The dissolution of my marriage has significantly impacted my financial stability, and I am struggling to meet the current terms of my mortgage.

Since the divorce, my household income has been substantially reduced. I am now solely responsible for all household expenses, including mortgage payments, utilities, and child support. Despite my best efforts to manage these obligations, it has become increasingly difficult to maintain my financial responsibilities.

I am committed to preserving my home and fulfilling my mortgage obligations. However, I need some assistance to make this possible. I kindly request your consideration for a loan modification that would lower my monthly payments to a more manageable level.

Enclosed, you will find the necessary documentation to support my request, including my current financial statements, proof of income, and details of my divorce settlement. I appreciate your understanding and assistance during this challenging time.

Thank you for your time and consideration. I look forward to your positive response.

Sincerely,
[Your Name]

Template 2: Hardship Letter for Utility Assistance

[Your Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Phone Number]
[Date]

[Recipient’s Name]
[Title]
[Utility Company Name]
[Address]
[City, State, ZIP Code]

Dear [Recipient’s Name],

I am writing to request assistance with my utility bills due to the financial hardship I am experiencing following my recent divorce. The end of my marriage has left me facing significant financial challenges, and I am struggling to keep up with my monthly utility payments.

As a result of the divorce, my income has been greatly reduced, and I am now solely responsible for all household expenses. This includes not only utility bills but also mortgage payments, child support, and daily living expenses. Despite my best efforts to manage my finances, I am finding it increasingly difficult to meet all of my financial obligations.

To prevent further financial strain and potential utility service disconnection, I am requesting any available assistance or payment arrangements that could help me manage my utility bills during this difficult time. I am committed to paying my bills in full but need some temporary relief to get back on my feet.

Enclosed with this letter, you will find documentation supporting my current financial situation, including my divorce settlement details and proof of income. I appreciate your understanding and consideration of my request.

Thank you for your time and assistance.

Sincerely,
[Your Name]

Template 3: Hardship Letter for Financial Aid

[Your Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Phone Number]
[Date]

[Recipient’s Name]
[Title]
[Financial Aid Office/Organization Name]
[Address]
[City, State, ZIP Code]

Dear [Recipient’s Name],

I am writing to request financial aid assistance due to the financial hardship I am facing as a result of my recent divorce. The separation has drastically altered my financial situation, leaving me unable to meet my current financial obligations without some form of assistance.

Since the divorce, my income has been significantly reduced, and I am now the sole provider for my household. This includes managing all living expenses, child support payments, and other debts incurred during the marriage. Despite my best efforts to budget and cut expenses, I am struggling to make ends meet.

I am seeking financial aid to help cover essential expenses and provide some relief during this transitional period. Any assistance you can provide would be greatly appreciated and would help me to stabilize my finances and support my family.

Attached to this letter, you will find documentation of my current financial status, including income statements, divorce settlement details, and a list of monthly expenses. I appreciate your time and consideration of my request.

Thank you for your understanding and support.

Sincerely,
[Your Name]

Helpful Tables

Table 1: Common Reasons for Financial Hardship Post-Divorce

ReasonDescriptionImpact on Finances
Loss of Dual IncomeOne income stream is lost after divorce.Reduces overall household income, making it difficult to cover expenses.
Increased Housing CostsMoving to a new home or maintaining the family home alone.Higher housing costs without a second income to share the burden.
Legal FeesCosts associated with divorce proceedings.Adds to the financial burden with potentially high one-time expenses.
Child Support PaymentsCourt-ordered payments for child care and upbringing.Regular, mandatory payments reducing available monthly income.
Spousal Support (Alimony)Payments to a former spouse as ordered by the court.Regular financial obligation that affects monthly budget.
Debt DivisionDivision of marital debts as per divorce agreement.Increased responsibility for debt repayment.
Loss of Shared BenefitsLoss of shared health insurance, retirement benefits, etc.Higher individual costs for benefits previously shared.
Emotional StressStress affecting work performance and productivity.Potentially reduced income if job performance is impacted.

Table 2: Documentation to Include with a Hardship Letter

DocumentPurposeHow It Helps
Divorce DecreeLegal proof of divorce and terms of the settlement.Establishes the change in marital status and financial obligations.
Income StatementsProof of current income from all sources.Demonstrates reduced income and need for financial assistance.
Expense StatementsDetailed monthly expenses including housing, utilities, etc.Shows financial obligations and cash flow situation.
Child Support and Alimony OrdersLegal documentation of child and spousal support payments.Confirms mandatory payments reducing disposable income.
Bank StatementsRecords of bank transactions and balances.Provides a clear picture of financial status and liquidity.
Debt StatementsDetails of outstanding debts and repayment terms.Illustrates total debt burden and need for financial relief.
Proof of EmploymentVerification of current employment status.Confirms employment and regular income source.
Medical Bills (if applicable)Bills related to any medical expenses incurred.Adds context to financial strain due to medical costs.

Table 3: Steps to Take Before Writing a Hardship Letter

StepActionWhy It’s Important
Assess Financial SituationReview all income, expenses, debts, and assets.Helps in understanding the full extent of financial hardship.
Gather DocumentationCollect all necessary financial and legal documents.Ensures all claims in the letter are supported with evidence.
Define the HardshipClearly identify the specific reasons for financial difficulty.Provides a focused narrative for the letter.
Identify the RecipientDetermine who will receive and review the letter.Ensures the letter is addressed to the correct person or entity.
Be Honest and ConciseWrite a clear and truthful account of the financial situation.Increases the credibility of the letter and its likelihood of success.
Request Specific AssistanceClearly state what kind of assistance is needed (e.g., loan modification).Makes it easier for the recipient to understand and act on the request.
Review and EditCheck for errors, clarity, and completeness.Ensures the letter is professional and free of mistakes.
Follow UpPlan to follow up on the letter if no response is received.Keeps the process moving and shows persistence.