How To Write A Letter To A Creditor For Hardship . It establishes facts in such a way as to convince your mortgage lender to grant a short sale or a loan modification instead of foreclosing. To request for special consideration, a person struggling with his or her finances uses a hardship letter known as a financial. 40 Hardship Letter Template RedlineSP from www.redlinesp.net I am writing to seek help concerning the mortgage i hold with your firm. As a result of unemployment and financial hardship, i am unable to make payments on this account. Use basic structure that will make your letter easier to read.