Mortgage Hardship Letter - Sample #1
April 5, 2004
Big Mortgage Company
P.O. Box 99100
Houston, TX
Re: Loan #4728432 and #4742507
Dear Representative,
I am writing this letter to explain what has happened in our lives that has brought us to this point. As you know, our accounts #4728432 and #4742507, for the property located at 133 Maple Bark Dr., Gaines, MI are far past due.
Big Mortgage Company
P.O. Box 99100
Houston, TX
Re: Loan #4728432 and #4742507
Dear Representative,
I am writing this letter to explain what has happened in our lives that has brought us to this point. As you know, our accounts #4728432 and #4742507, for the property located at 133 Maple Bark Dr., Gaines, MI are far past due.
Although we’ve both faced difficult times and challenges in the past,
the hardships we faced during the year of 2003 were too much to bear.
Due to various reasons, in July of 2003 we decided to separate, our
divorce was finalized in March of this year. Obviously it was never our
intent to lose our home, but it did require both of our incomes to make
the mortgage payment.
Our financial troubles were not limited to our mortgage, we were far behind on our credit cards and medical bills for my periodic check-ups following Cancer surgery and treatment a short time ago. Unable to meet our obligations, we decided to file for bankruptcy in the summer of 2003. We lost everything, even our cars.
Virginia was also pregnant during this stressful time and miscarried. And if this alone wasn’t enough for one person to bear, Virginia also had to cope with the passing of her mother in the same year. Due to the overwhelming stress, Virginia went on Work Disability during August and September 2003.
Please help us. We just want to move on and start over. PLEASE accept this offer from our buyer. I know the offer is less than what we owe, but we are desperate. We’ve had enough of the court system, attorneys and legal battles to last a lifetime. We just want this to end! We just need someone to give us a break. Please accept this offer.
Sincerely,
_____________________________
John Homeowner
_____________________________
Jane Homeowner
Our financial troubles were not limited to our mortgage, we were far behind on our credit cards and medical bills for my periodic check-ups following Cancer surgery and treatment a short time ago. Unable to meet our obligations, we decided to file for bankruptcy in the summer of 2003. We lost everything, even our cars.
Virginia was also pregnant during this stressful time and miscarried. And if this alone wasn’t enough for one person to bear, Virginia also had to cope with the passing of her mother in the same year. Due to the overwhelming stress, Virginia went on Work Disability during August and September 2003.
Please help us. We just want to move on and start over. PLEASE accept this offer from our buyer. I know the offer is less than what we owe, but we are desperate. We’ve had enough of the court system, attorneys and legal battles to last a lifetime. We just want this to end! We just need someone to give us a break. Please accept this offer.
Sincerely,
_____________________________
John Homeowner
_____________________________
Jane Homeowner
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