Regardless of the specifics of your situation, a properly written hardship letter should always address key factors: Loss mitigator, reading your letter, would have to know why, what and how.
Why? (…are you writing a hardship letter)
This should always be a first paragraph. It is an opening to all future dialogs with the lender Loss Mitigation Department. Nobody cares if your dog broke a leg and you spent all the money on your vet bills. Your job is not to seek sympathy; your job is to explain (within one or two paragraphs) why the amount of money coming in, is less to the amount of money going out. It’s that simple.
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