Sample Unable to Pay Debt Letter

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

Sample Unable To Pay Debt Letter

Linda Gibson
2300 Action Street
Oakland, CA, 94703

May 17, 2019

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

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 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 505-123-4447 and at Thank you for taking the time to consider my request, and I hope to have a favorable reply.


Linda Gibson