HELP! Need to know how to write a hardship letter to my mortgage company

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Hi Chivonne -

Has someone advised you to do this? What hardship are you facing? Perhaps we can help you with some advice.

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A journey of a thousand miles begins with a single step...and becoming debt free is a journey!

Are you referring to a financial hardship?

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"Never give up on someone you can't go a day without thinking about".

They want a copy of your las pay stub also what your expenses are each month. Explain why you are having a hardship. List every expense you have. KYSIDE38

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RYDERS OF THE NIGHT

I would definitely state when you might be back on your feet financially. Also, if you can make partial payments and how much.

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"Never give up on someone you can't go a day without thinking about".

I went to ggole and found a couple of websites on this topic. There is one website I fel is really good because it actually shows you a sample letter that you can rewrite with your own name and situation. Look it up & lots of luck with that. I hope it works out.

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HI YOU INDICATED THAT YOU FOUND A WEBSITE WITH A SAMPLE LETTER COULD YOU SHARE THE WEBSITE

THANKS
A HOUSE

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what website has a sample hardship letter

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I haven't found a debt hardship letter to be that useful for my first mortgage. They just want you to call HUD or provide them with a long list of documents in an attempt to modify the loan. And you can get that far on the phone, without a hardship letter, at least in my experience with Wells Fargo.

However, my HELOC lender did acknowledge my hardship letter, but really still made little difference. All they want right now it to verify my income through 30 days worth of pay stubs, 3 months bank statements and 401k/investment accounts (as if I have them), and a list of all expenses or a budget. The don't seem to take the hardship letter at face value and want to verify what you tell them. That's understandable.

But I'm very weary of providing this information to a creditor who at the beginning of the call says all inform gathered will be used to collect a debt. It's actually a conflict of interest. They want to help you keep the house, or they want to collect the debt. Hard to do a good job at both, and I think their much more interested in collecting the debt or an advantageous loan mod for the bank.

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