SAMPLE
LETTERS
Following are sample letters that you may use as a guide when working with your creditors. Unortunately! we cannot pro"ide you with personal legal ad"ice. # you need legal ad"ice to assist you in any response to creditors! landlords or the like! consult with your personal attorney or contact your state or county $ar association! many o which maintain lawyer reerral ser"ices. Things to consider%
&
Speak with your landlord! mortgage company! or creditor irst $eore you write
a
letter. 'ust sending a letter may not $e "ery eecti"e as it will take a air
amount
o time to get to the indi"idual who needs to see it! i at all. Speaking with
your
creditors will ena$le you to work out the details o
any payment
 plan that you can later conirm with your letter 
.
&
(e sure to send the letter directly to the person to whom you ha"e spoken to conirm your re)uest or a reduced payment
 plan.
&
Make sure that you ha"e all the necessary inormation in your letter
including
account num$er! address o the property! and a telephone num$er where you
can
 $e
reached.
 & (e sure to keep a copy o the letter. #n some situations! you may want to
send
the letter $y certiied mail. *ou may also want to a+ the letter to the
company.
 
Sample Letter to
,reditor 
-ear /ame o ,ompany or indi"idual with whom you ha"e
spoken
0
This is to conirm our con"ersation o date0 in which we discussed a
temporary
reduction in my monthly
 payment.
As we discussed! # am a Federal employee who has recently $een urloughed due to
a
lac
k 
 o unding o my agency. (ecause o this! my income has $een se"erely cut and # am una$le to paythe entire cost o my monthly payments! along with my other
e+penses.
As we had agreed in our con"ersation! # will $e a$le to make regular payments in
the
amount o 12222222. # reali3e that # will $e responsi$le to pay the remainder o the
 payments
and!
when
 # return to work! # will contact you immediately to work out a plan to
take
 care o the reduced  payments. # will also keep in touch with you to keep you
inormed
 a$out my income
status.
# appreciate your willingness to work with me and your understanding
during
 
this
diicult
time.
Sincerely!
 /ame
0
Account
 /um$er Address
Telephone
 /um$er 
 
Sample Letter to Mortgage
,ompany
-ear /ame o ,ompany or indi"idual with whom you ha"e
spoken0
This is to conirm our con"ersation
o date0
in which we discussed a
temporary
reduction in my mortgage
 payment.
As we discussed! # am a Federal employee who has recently $een urloughed due to
a
lack o unding o my agency. (ecause o this! my income has $een se"erely cut and
#
am una$le to  pay the entire cost o my mortgage! along with my other
e+penses.
As we had agreed in our con"ersation! # will $e a$le to make regular payments in
the
amount o 12222222.
 
# reali3e that # will $e responsi$le to pay the remainder o the
 payments
and! when # return to work! # will contact you immediately to work out a plan to take
care
o the reduced  payments. # will also keep in touch with you to keep you inormed
a$out
my income
status.
# appreciate your willingness to work with me and your understanding during
this
diicult
time.
Sincerely!
 /ame
0
Account
 /um$er Address
Telephone
 /um$er 
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