Sample Letter to Creditor Unable to Pay

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Learn how to write an unable to pay letter to creditor. Use our sample unable to pay letter to creditor as a template for your hardship letter.

Sample 1 – Letter to creditor Unable To Pay

Linda Gibson
2300 Action Street
Oakland, CA, 94703

May 17, 2022

ABC Debt Company
3245 – 11th Street
Portland, OR, 97206

RE: Unable to pay debt for account number [NUMBER]

To Whom It May Concern,

I am writing this letter to inform you that I am temporarily out of work, which has caused serious financial difficulty for my family. 

I have workers’ compensation as well as unemployment, but these are just enough to pay my mortgage and feed my family.

Because of my hardship, I am unable to pay my debt, so I’m asking each creditor to kindly accept a reduced payment of $100 for the next six months. 

I expect to be back to work and receiving my full salary by that time. If I am able to work sooner, I will inform you and return to making the usual payments of $250 per month.

I prefer to deal with you directly and not a collection agency. I fully intend to pay my debts, but I need a bit more time. I also request that you withhold any interest on my debt for the next six months.

Please send a response to this letter in writing at the address above. I can also be reached at 555-123-4447 and at 

Thank you for taking the time to consider my request, and I hope to have a favorable reply.


Linda Gibson

Sample 2 – Letter To Creditor Unable To Pay

Your Name
Your Address
City, State, Zip Code


Name of Creditor
Address of Creditor
City, State, Zip Code

RE: Unable to pay debt for credit card account number [NUMBER]

Dear Sir/Madam,

I have held [Name of Credit Card] since 1990, and always made regular payments. Due to physical hardship, I have lost my job and am living on unemployment checks for the past three months. 

I was a bus driver for [Name of School District] but broke my leg in a skiing accident, through no fault of my own, and will be laid up for the next six months.

I have included the medical documents and unemployment check records. My salary has been reduced from $40,000 per year to $25,000 per year, and I need to make a monthly $800 payment on my mortgage, or I will lose my home. 

Because of the drastic change in my financial status, I am unable to pay my debt. So, I’m asking for help with the balance of $2,000 and late fees I owe on this credit card.

I would like to know if you have a program to assist hardship cases. I need to pay off the balance and close this account. 

I would be happy to work with you to achieve a resolution that is satisfactory to both of us. 

I have included all the documentation that relates to my medical bills, current income and previous payment record.

I can be reached at [Phone Number] or at [Email Address] if you have any questions. I hope the situation can be resolved soon.

Thank you for your attention to this matter.


Printed Name
List of Enclosure

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