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basic hardship letter breakdown 1. your hardship. 2. your offer to resolve your debt. 3. thanking them for for their time. 4. your current contact information.

Good examples: you lost your employment and you are in danger of losing your home, any medical complications that would prevent you from maintaining employment, drastic decrease in salary, fixed income, and single parent w/out child support. If you are a disaster victim the original creditor will already try to cut you a deal and you will be notified.

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Q: How do you write a hardship letter to a utility company?
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