Free Hardship Letter for Credit Card Debt Sample

[Your Name]
[Your Address]
[City, State ZIP Code]
[Email Address]
[Phone Number]

[Date]

[Creditor’s Name]
[Creditor’s Address]
[City, State ZIP Code]

Dear [Creditor’s Name],

I am writing to request your assistance in resolving my current financial difficulties. I have been a long-time customer of your company and have always made my payments on time. 

However, due to [unforeseen medical expenses/job loss], I have fallen behind on my payments for my credit card account number [Account Number].

I understand the importance of paying my debts and I am willing to make arrangements to catch up on my payments. I am currently facing a difficult financial situation and I am unable to make my payments in full. 

I am writing to request a temporary reduction of my monthly payments for the next [Number of months]. I am willing to make payments of [$ amount] for the next [Number of months], and then re-evaluate my financial situation.

I understand that this is a difficult time for everyone, and I hope you will consider my request. I am willing to provide documentation of my current financial situation and I am open to discussing any other options that may be available.

I would appreciate your prompt attention to this matter and I look forward to hearing from you soon.

Sincerely,

[Your Name]