Make your Free
Hardship Letter

  • Answer simple questions to make your document
  • Sign & share your document online
  • Save progress and finish on any device; download & print at home

How it works

  • Build your
    document
  • Save, print
    & share
  • Sign it &
    Make it legal
Sample Hardship Letter Form Template
How it Works
Build your Document
Save, Print & Share
Sign it & make it legal

Hardship Letter basics

A Hardship Letter is written to your creditor or loan provider to request financial assistance if you are going through a difficult time financially. A typical Hardship Letter outlines your situation before the hardship occurred, and then describes your current financial situation and why you are unable to meet the payments due. Some common reasons for writing a Hardship Letter include injury, loss of job, economic downturn, an illness to you or a family member, etc. This letter should thoroughly explain your situation and your proposed solution on making payments.

If you have questions about personal finances during the COVID-19 pandemic, ask a lawyer or find more resources in our Coronavirus (COVID-19) Legal Center.


Use the Hardship Letter document if:

  • You are experiencing financial difficulties and want assistance in paying your bills
  • You recently loss your job or are working reduced hours and cannot make your usual payments
  • You want to request a loan modification to alter your mortgage payment terms
  • Making a Hardship Letter can help you start the process of getting relief from your creditors or lenders. It can document your financial situation and help you make the case for deferred or otherwise discounted payments. Sending your letter via priority mail can help you track that it has been delivered successfully. You may also consider checking with your lender/creditor, in case they have a different protocol to follow.

    Other names for this document: Hardship Request Letter, Financial Hardship Letter


    Sample Hardship Letter

    Coronavirus Legal Answers

    In this challenging and uncertain time, Rocket Lawyer and our attorneys nationwide, are here to help.

    Characters remaining: 600

    CUSTOMERS LOVE US

    rocket lawyer 5 star rating

    Kasia M.

    "Rocket Lawyer is a helpful tool for professionals who need legal documents at an affordable price."

    Hardship Letter basics

    Making a Hardship Letter can help you start the process of getting relief from your creditors or lenders. It can document your financial situation and help you make the case for deferred or otherwise discounted payments. Sending your letter via priority mail can help you track that it has been delivered successfully. You may also consider checking with your lender/creditor, in case they have a different protocol to follow.

    Other names for this document: Hardship Request Letter, Financial Hardship Letter

    Use the Hardship Letter document if:
  • You are experiencing financial difficulties and want assistance in paying your bills
  • You recently loss your job or are working reduced hours and cannot make your usual payments
  • You want to request a loan modification to alter your mortgage payment terms
  • Read {{ showMore ? 'Less' : 'More' }}

    Ready to make your Free Hardship Letter?

    Make, share, and sign this document for free. No credit card required.

    Meet ALL your legal needs with a Rocket Lawyer membership.
    Document Defense®
    Have an attorney ready to defend your document
    Document Review
    Review up to 6 documents a year with an attorney
    Ask a Lawyer
    Get 2 Q&A sessions with an attorney every month
    1-on-1 Legal Advice
    Enjoy 30-minute consultations  on each new legal matter
    Exclusive Discounts
    Save on additional legal services from our nationwide network of lawyers
    Unlimited Documents
    Access hundreds of legal documents, plus extra features like electronic signatures