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A hardship letter for illness or injury is a document that explains the financial difficulties a person is facing due to their medical condition.
The letter should include details about the person’s illness or injury, the financial impact it has had on their life, and any supporting documentation.
Here is an example of a hardship letter for illness or injury:
Sample 1 - Hardship Letter for Illness or Injury
[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 your assistance in addressing the financial difficulties I am currently facing due to an illness or injury.
I have been diagnosed with [illness or injury], which has caused me to [incapacitated/unable to work/required surgery etc.]. As a result, I have been unable to work and my income has been greatly reduced. I am currently [provide details about your current financial situation, e.g. unable to pay bills, mortgage, etc.].
I have attached supporting documentation from my doctor, including [list any relevant medical documents, e.g. diagnosis, treatment plan, etc.].
I am requesting your assistance in [request specific help, e.g. a loan modification, deferment, etc.] in order to help me get back on my feet financially. I understand that this is a difficult time for many people, but I hope that you will be able to help me in my time of need.
Thank you for your time and consideration.
Sincerely,
[Your Name]
Sample 2 - Hardship Letter for Illness or Injury
[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 your assistance in addressing the financial difficulties I am currently facing due to an unexpected illness.
Recently, I was diagnosed with [illness], which has caused me to take an extended leave of absence from my job. I have had to undergo multiple surgeries and extensive treatment, which has left me with significant medical expenses.
My current income is not sufficient to cover my living expenses and medical bills, and I have been unable to keep up with my mortgage payments.
I have attached my medical records and bills as proof of my hardship. I have also included a letter from my employer, verifying my leave of absence.
I am requesting a loan modification or a forbearance on my mortgage payments. I have been a responsible homeowner and have always made my payments on time.
However, due to my current circumstances, I am unable to do so. I am confident that with some temporary assistance, I will be able to get back on my feet and resume my mortgage payments.
I understand that this is a difficult time for many people, but I hope that you will be able to help me in my time of need. I would be more than happy to provide any additional information or documentation that you may need.
Thank you for your time and consideration.
Sincerely,
[Your Name]
Note: These are examples and should be tailored to the specific situation and lender. Also, this letter should be accompanied by the relevant medical documents as proof of the hardship.
Frequently Asked Questions (FAQs)
1. What is a hardship letter for illness or injury?
Answer: A hardship letter for illness or injury is a document that explains the financial difficulties someone is experiencing as a result of a medical condition. It is typically used in the context of requesting a loan modification, mortgage forbearance, or other financial assistance.
2. What should be included in a hardship letter for illness or injury?
Answer: A hardship letter for illness or injury should include the following:
- A brief explanation of the medical condition and how it has impacted the individual’s ability to work and earn an income.
- Information about any medical expenses that have been incurred as a result of the condition.
- A description of the individual’s current financial situation, including income, expenses, and assets.
- A request for specific financial assistance, such as a loan modification or mortgage forbearance, and an explanation of how the assistance will help.
3. How can a hardship letter for illness or injury be used?
Answer: A hardship letter for illness or injury can be used to request financial assistance from a lender or creditor. For example, it can be used to request a loan modification, mortgage forbearance, or other form of relief. It can also be used in the context of a legal dispute or insurance claim.
4. What are some tips for writing a hardship letter for illness or injury?
Answer: Some tips for writing a hardship letter for illness or injury include:
- Be honest and straightforward about the medical condition and its impact on the individual’s finances.
- Provide specific details and documentation to support the request for financial assistance.
- Use a professional and courteous tone throughout the letter.
- Keep the letter concise and to the point.
5. Are there any specific guidelines or format that should be followed while writing a hardship letter for illness or injury?
Answer: There are no specific guidelines or format that must be followed when writing a hardship letter for illness or injury, but it is recommended to use a professional and business-like format.
The letter should be typed, and the individual should include their full name, address, phone number, and email address at the top of the letter.
The letter should be addressed to the appropriate person or department, and it should include a clear and specific request for financial assistance.