Debt & credit

Financial Hardship Letter

A letter to your lender explaining a financial hardship and asking for help with your payments — a lower payment, a pause, or a payment plan.

$39 flat fee (USD) · emailed PDF · you review and send it yourself.

Start this letter — $39

What you get

  • A dated hardship letter to your lender
  • Your situation and what you are asking for
  • A clean PDF to send or keep as your record

How it works

  1. Tell us what happened. A few plain questions — no legal knowledge needed.
  2. We draft your letter from your answers, in your own words.
  3. Review and send it yourself. Download the PDF, then send or mail it.

Delivery

Emailed to you as a PDF once you confirm it. You send it to your lender or servicer yourself.

When this isn't the right letter

  • A debt a collector is chasing (use Debt Validation or a Settlement Offer)
  • Disputing that you owe the debt

Where it's available

Available in most US states. Choose your state when you start — if Claim Done can't offer this document where you are yet, you'll see that before you pay and nothing is charged.

Questions people ask

How much does a Financial Hardship Letter cost?

A flat $39 (USD), shown before you pay. No subscription.

Is Claim Done a law firm?

No. Claim Done is self-help document software. You select the document, enter your own facts, review the draft and decide what to do. It is not legal advice.

Who sends the letter?

You do. After payment you download the letter as a PDF and send it yourself.

How long does it take?

A few minutes. You answer a short set of plain-English questions, then review and download your letter.

When is this not the right letter?

This letter is not for: A debt a collector is chasing (use Debt Validation or a Settlement Offer); Disputing that you owe the debt.

Other Debt & credit letters

Start your Financial Hardship Letter — $39

Claim Done provides self-help document software. You select your own document, enter your own facts, review the draft and decide what to do with it. Claim Done is not a law firm, does not select legal remedies, does not advise on strategy, does not represent you, and does not guarantee any outcome.