Free Hardship Letter Due to Divorce Template Samples

Divorce is a challenging and emotional time, often leading to financial hardship. In this guide, I will share my personal experiences and provide you with three proven templates to help you write a compelling hardship letter due to divorce.

Key Takeaways

  • Purpose: Explain the purpose of a hardship letter and how it can assist you.
  • Components: Outline the essential components of a hardship letter.
  • Tone: Discuss the appropriate tone and language to use.
  • Personal Experience: Share tips and insights from my personal experience.
  • Templates: Provide three unique templates for different situations.
  • Real-life Examples: Include examples to illustrate key points.

Understanding the Purpose of a Hardship Letter





A hardship letter is a formal document written to explain the financial difficulties you are experiencing and to request assistance or leniency from a creditor, lender, or institution. In the context of a divorce, this letter can help you negotiate better terms on loans, mortgages, or other financial obligations.

Components of a Hardship Letter

  1. Introduction: Clearly state the purpose of the letter.
  2. Explanation of Hardship: Provide a detailed explanation of your financial situation.
  3. Impact of Divorce: Describe how the divorce has affected your finances.
  4. Request for Assistance: Specify what you are requesting (e.g., reduced payments, extended deadlines).
  5. Supporting Documents: Mention any documents you are including to support your claims.
  6. Conclusion: Express gratitude and reaffirm your request.

Tips from Personal Experience



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Having written many hardship letters, I’ve learned that clarity and honesty are crucial. Here are some tips based on my experience:

  • Be Honest: Provide a truthful account of your situation without exaggerating.
  • Be Specific: Clearly state the impact of the divorce on your finances.
  • Be Concise: Keep your letter to the point while including all necessary details.
  • Provide Evidence: Attach supporting documents like bank statements, divorce decrees, or bills.
  • Follow Up: After sending your letter, follow up with a phone call or email to ensure it was received and is being considered.

Real-life Example

When I wrote my first hardship letter, I was nervous about being too vulnerable. However, sharing the genuine impact of my situation led to a positive outcome. 

My lender was empathetic and offered a temporary reduction in my mortgage payments, which provided significant relief during a tough time.


Template 1: Hardship Letter for Mortgage Reduction

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

[Creditor’s Name]
[Creditor’s Address]
[City, State, ZIP Code]

Dear [Creditor’s Name],

I am writing to formally request a temporary reduction in my mortgage payments due to the financial hardship I am experiencing as a result of my recent divorce.

The dissolution of my marriage has significantly impacted my financial stability. Previously, my spouse and I combined our incomes to manage our expenses. However, as a single income household, I am struggling to meet my financial obligations, including my monthly mortgage payments.

I have attached copies of my divorce decree, recent bank statements, and proof of income to provide a clear picture of my current financial situation. 

I am requesting a temporary reduction in my mortgage payments for the next six months to help me stabilize my finances during this transitional period.

I am committed to meeting my financial obligations and appreciate your understanding and consideration of my request. Please let me know if you need any additional information.

Thank you for your time and assistance.

Sincerely,

[Your Name]


Template 2: Hardship Letter for Loan Modification

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

[Lender’s Name]
[Lender’s Address]
[City, State, ZIP Code]

Dear [Lender’s Name],

I am writing to request a modification of my loan due to the financial difficulties I am facing following my recent divorce.

Since the divorce, my financial situation has drastically changed. The reduction in household income, coupled with the additional expenses of legal fees and establishing a separate residence, has made it challenging to keep up with my loan payments.

I have attached relevant documents, including my divorce decree, income statements, and a detailed budget outlining my current expenses. I am requesting a modification of my loan terms to lower my monthly payments, which will allow me to continue making payments without defaulting.

I appreciate your understanding and am hopeful for a positive resolution. Please contact me if you require further information or documentation.

Thank you for your time and consideration.

Sincerely,

[Your Name]


Template 3: Hardship Letter for Credit Card Debt Relief

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

[Credit Card Company’s Name]
[Company’s Address]
[City, State, ZIP Code]

Dear [Credit Card Company’s Name],

I am writing to inform you of my current financial hardship due to my recent divorce and to request assistance in managing my credit card debt.

The financial impact of the divorce has been substantial, resulting in a significant reduction in my income and an increase in my monthly expenses. I am struggling to make the minimum payments on my credit card debt and am requesting a temporary reduction in the interest rate and minimum payment requirements.

Enclosed with this letter are copies of my divorce decree, income statements, and a detailed list of my monthly expenses. I am committed to repaying my debt and believe that these temporary adjustments will help me avoid default and continue making regular payments.

I appreciate your understanding and consideration of my request. Please contact me if you need additional information or documentation.

Thank you for your time and assistance.

Sincerely,

[Your Name]


Final Thoughts

Writing a hardship letter due to divorce requires a clear, honest, and concise approach. By following the guidelines and using the templates provided, you can effectively communicate your financial situation and request the necessary assistance.

Frequently Asked Questions (FAQs)

Q: What is the purpose of a hardship letter due to divorce?

Answer: The purpose of a hardship letter due to divorce is to explain your financial difficulties and request assistance or leniency from a creditor or lender. I’ve found that clearly stating how the divorce has impacted my finances helps in getting the needed support.

Q: How do I start a hardship letter due to divorce?

Answer: Start by introducing yourself and clearly stating the purpose of the letter. In my experience, being upfront about my situation sets the right tone for the rest of the letter.

Q: What details should I include in a hardship letter due to divorce?

Answer: Include a detailed explanation of your financial hardship, the impact of the divorce, and the specific assistance you are requesting. I’ve always found that providing relevant documents strengthens my case.

Q: How long should a hardship letter due to divorce be?

Answer: Aim for one to two pages, ensuring that you are concise but thorough in explaining your situation. From my experience, this length is sufficient to convey all necessary information without overwhelming the reader.

Q: What tone should I use in my hardship letter due to divorce?

Answer: Use a respectful and honest tone, clearly stating your financial situation without exaggeration. I’ve found that maintaining a sincere and professional tone yields the best results.

Q: Can I use a template for my hardship letter due to divorce?

Answer: Yes, using a template can provide a good structure, but personalize it with your specific details and supporting documents. I often start with a template and then customize it to reflect my unique circumstances.

Q: What supporting documents should I include with my hardship letter?

Answer: Include documents such as your divorce decree, income statements, bank statements, and any other relevant financial documents. In my experience, these documents provide a clear picture of my financial situation and support my claims.

Q: How soon should I send a hardship letter after my divorce?

Answer: Send the hardship letter as soon as you recognize the financial impact of the divorce on your obligations. I’ve found that timely communication helps in receiving prompt assistance.

Q: How do I follow up after sending a hardship letter due to divorce?

Answer: Follow up with a phone call or email to ensure your letter was received and is being considered. I’ve found that this step is crucial in keeping the process moving and showing your commitment.

Q: Can a hardship letter help in reducing mortgage payments?

Answer: Yes, a well-written hardship letter can help negotiate reduced mortgage payments or other terms with your lender. From my personal experience, clearly explaining my situation led to a temporary reduction in my mortgage payments, providing much-needed relief.