Free Hardship Letter PDF for Rent or Loan Relief
Write a hardship letter that explains your income change and asks for rent relief, mortgage assistance, or a payment plan.
Published November 22, 2025
Many landlords and lenders want a written hardship explanation before adjusting payments. A structured letter makes it easier to get a temporary reduction or plan while you recover.
When to use this
- Your income dropped suddenly and you can’t make full rent or loan payments.
- You need to request a temporary reduction, forbearance, or payment plan.
- You’re preparing to talk with a housing counselor or legal aid and want a draft ready.
How to do it (fast)
- Open the hardship letter tool.
- Choose whether this is about rent, mortgage, or another type of loan.
- Enter your income change, current vs previous income, and describe the hardship.
- Write what you’re asking for: reduced payments, pause, or payment plan.
- Generate the PDF and send it by email or mail, keeping a copy for your records.
Why this helps
- Turns a stressful situation into a structured, clear letter.
- Shows your lender/landlord you have a plan and are acting in good faith.
- Makes it easier for legal aid or housing counselors to review your situation quickly.
Related tools
Not legal advice. Courts set their own rules. Keep your original records.