Example of Hardship Letter Due to Divorce

A hardship letter due to divorce is a formal document that outlines the financial and emotional challenges an individual faces as a result of the dissolution of their marriage. 

It is typically written to creditors, lenders, or other relevant entities to request understanding, assistance, or modifications in financial obligations. This step-by-step guide will walk you through the process of writing an effective hardship letter due to divorce.

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Step 1: Format and Presentation 

Start by formatting your hardship letter appropriately. Use a professional tone and a business letter format, including your contact information, date, recipient’s details, subject line, salutation, body paragraphs, and a polite closing.

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Step 2: Introduce Yourself and Provide 

Context In the opening paragraph, introduce yourself and briefly explain your situation. Mention that you have recently gone through a divorce and provide a concise overview of the challenges you are currently facing, both financially and emotionally. Be honest and clear in your explanation.

Step 3: Describe the Financial Hardships 

In the subsequent paragraphs, detail the specific financial difficulties that have arisen due to the divorce. Include relevant information such as:

  • Income Reduction: Explain any decrease in household income and how it has impacted your ability to meet financial obligations.
  • Legal Expenses: Describe the costs associated with the divorce process, such as attorney fees, court costs, and mediation expenses. Specify the impact of these unexpected expenses on your financial situation.
  • Division of Assets and Debts: Highlight any financial burdens resulting from the division of assets and debts, especially if you are now solely responsible for certain obligations.

Step 4: Provide Supporting Documentation 

To strengthen your case, include supporting documentation with your hardship letter. Attach copies of relevant financial statements, such as bank statements, tax returns, pay stubs, or any documents that demonstrate your financial situation accurately.

Step 5: Explain Your Efforts to Overcome the Hardships 

Demonstrate your commitment to overcoming the financial challenges by explaining the steps you have taken or are currently taking to address the situation. This can include seeking employment, exploring additional sources of income, or engaging in budgeting and financial management strategies.

Step 6: Request Specific Assistance or Consideration 

Clearly state what kind of assistance or consideration you are seeking from the recipient of the letter. For example, you might request a temporary reduction in monthly payments, a modification of loan terms, or the opportunity to negotiate a new payment plan. Be specific about your needs without sounding demanding.

Step 7: Express Gratitude and Provide Contact Information 

In the closing paragraph, express your appreciation for the recipient’s time and consideration. Reiterate your commitment to resolving the hardships and provide your contact information, including your phone number and email address. Encourage them to reach out to discuss the matter further.

Step 8: Proofread and Edit 

Before sending your hardship letter, thoroughly proofread it to ensure accuracy, clarity, and proper grammar. Pay attention to the overall flow and coherence of the letter. Consider asking a trusted friend or family member to review it as well.

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Example of Hardship Letter Due to Divorce (1)

Subject: Hardship Letter Due to Divorce

Dear [Recipient’s Name],

I hope this letter finds you well. I am writing to explain the financial and emotional hardships I have been facing as a result of my recent divorce and to request your understanding and assistance during this challenging time.

I recently underwent a divorce from my spouse, and the process has had a profound impact on my life, both financially and emotionally. As a result, I find myself struggling to meet my financial obligations and maintain stability in various aspects of my life. I am reaching out to your organization to seek support or any possible options available to alleviate the difficulties I am currently facing.

Financial Hardships:

  1. Income Reduction: Due to the divorce, my household income has significantly decreased. I am now solely responsible for supporting myself and potentially providing for any dependent children from the marriage. This sudden decrease in income has made it increasingly challenging for me to cover basic living expenses, such as housing, utilities, and transportation.

  2. Legal Expenses: The legal proceedings associated with the divorce have incurred substantial expenses, including attorney fees, court costs, and mediation fees. These unforeseen costs have strained my financial resources and left me with limited funds to fulfill my financial obligations.

  3. Division of Assets and Debts: As a result of the divorce, there was a division of assets and debts. Unfortunately, I have been left with a significant portion of the debt, including credit card balances and outstanding loans. Meeting the monthly payments for these obligations has become increasingly difficult, further adding to my financial distress.

Efforts to Overcome Hardships: In an effort to overcome these financial challenges, I have taken several steps to improve my situation. These include:

  1. Employment: I have actively sought new employment opportunities to increase my income and stabilize my financial situation. I am exploring part-time job options and freelance work to supplement my current income.

  2. Budgeting and Financial Management: I have developed a comprehensive budget to track my expenses and identify areas where I can reduce costs. I am committed to living within my means and managing my finances responsibly.

Request for Assistance: Considering the circumstances, I kindly request your understanding and assistance in the following ways:

  1. Loan Modification: I request that you consider modifying the terms of my loan, such as reducing the monthly payment amount or extending the loan period. This adjustment would provide immediate relief and enable me to meet my financial obligations more comfortably.

  2. Temporary Hardship Relief: Given the financial strain caused by the divorce, I humbly ask for temporary hardship relief, allowing me to defer payments or negotiate a revised payment plan until I can stabilize my financial situation.

  3. Financial Counseling: I would greatly appreciate any guidance or resources your organization can provide to assist me in managing my finances effectively. This could include referrals to reputable financial counseling services or workshops aimed at improving financial literacy.

I understand that my financial hardships are just one among many that your organization encounters. However, I genuinely believe that with your support and understanding, I can overcome these challenges and regain financial stability.

I am grateful for your time and consideration of my situation. Should you require any additional information or documentation, please do not hesitate to contact me at [Phone Number] or [Email Address]. I am available at your convenience to discuss this matter further.

Thank you for your understanding, and I look forward to a positive resolution.


[Your Name]

Example of Hardship Letter Due to Divorce (2)

Dear [Judge’s Name],

I am writing to request that the divorce proceedings between myself and [spouse’s name] be put on hold due to my current financial hardship.

As you are aware, I have recently lost my job and have been unable to find steady employment. This has left me in a difficult financial situation, and I am struggling to make ends meet. I am currently unable to pay my bills, including my mortgage and car loan.

If the divorce were to proceed, my financial situation would become even more dire. I would be responsible for paying for two households instead of one, and I would be unable to afford the legal fees associated with the divorce.

I am currently seeking employment and am confident that I will be able to secure a job in the near future. However, until then, I kindly request that the divorce proceedings be put on hold so that I can focus on getting back on my feet financially.

Thank you for considering my request.


[Your Name]

Frequently Asked Questions (FAQs)

1. What is a hardship letter for divorce?

Answer: A hardship letter for divorce is a written document that is submitted to the court to request leniency or a reduction in support payments due to financial hardship. 

It is typically used in situations where one party is unable to meet their financial obligations due to a loss of income or other unforeseen circumstances.

2. What should be included in a hardship letter for divorce?

Answer: A hardship letter for divorce should include information about the financial hardship that the party is facing, such as a loss of job or income, medical expenses, or other unforeseen circumstances. 

It should also include information about the party’s efforts to resolve the financial hardship, such as actively searching for employment or taking steps to reduce expenses. 

Additionally, it should include a request for leniency or a reduction in support payments, and a willingness to work with the other party to come to a fair and equitable agreement.

3. How do I write a hardship letter for divorce?

Answer: When writing a hardship letter for divorce, it is important to be honest and straightforward about the financial hardship that you are facing. 

Start by introducing yourself and the purpose of the letter, which is to request leniency in the divorce proceedings due to financial hardship. 

Provide specific details about the hardship, including the cause (such as job loss), the impact on your finances, and any steps you have taken to address the issue. 

It is also important to express your willingness to work with your spouse to come to a fair and equitable agreement. End the letter by thanking the judge for their time and consideration.

4. What are some examples of financial hardship that may be included in a hardship letter for divorce?

Answer: Examples of financial hardship that may be included in a hardship letter for divorce include job loss, significant medical expenses, unexpected home repairs, or a natural disaster. 

Additionally, a significant decrease in income or the need to support additional dependents can also be considered financial hardship.

5. Is a hardship letter for divorce required by the court?

Answer: A hardship letter for divorce is not always required by the court, but it can be helpful in situations where one party is unable to meet their financial obligations due to a loss of income or other unforeseen circumstances. 

The letter can be used to provide the court with additional information about the party’s financial situation and request leniency or a reduction in support payments.