When you write a creditor to construe your late payments (mortgage, car, or reputation card), the letter should state:
- why you are late, (see paragraph 1 of the letter below)
- how serious you are about fulfilling your commitment to them (paragraph 2 of the letter below), and
- when you expect to be able to resume full and quarterly payments, (paragraph 3 of the letter below),
- what you want from them (paragraph 4 of the letter below)
- the financial details of your hardship (paragraph 5 of the letter below)
Apartments With Utilities Included
Below is a sample late payment explanation letter. Change it to describe your own circumstances, but make sure that you enclose copies of financial documents like: checking catalogue statements, tax returns (past two years), all bills from creditors, all late notices, pink slip, anyone else that will prove your hardship.Sample Late cost Explanation Letter
Cindy R. Williams
9 Turnbill Ct.
Anywhere, Usa 55555
To: Abc Mortgage
Re: Late Payments; catalogue # 12345678
Daytime phone number: (555)555-5555
I am writing to advise you of my up-to-date financial hardship. I was laid off from my job at Xyz company just before Christmas of 2008. I am diligently seeking other employment, but as you know, jobs are scarce in today's economy. I have not found anyone yet. Being out of work has caused me to be late on my bills.
I believe in hard work and have never been without a job for more than a few months. Until this unfortunate event, I have maintained a solid payment history with you.
My goal is to pay all things I owe. I take my financial obligations very seriously and plan to continue quarterly and full payments as soon as I find a job.
I expect my situation to be temporary and would like to discuss loan forbearance. I would also appreciate any suggestions you might have that would help me get back on track.
Please find the enclosed spreadsheet of my monthly expenses, as well as copies of financial documents, my pink slip from Xyz Co, and late notices I have received during my financial setback. I'm sending these to show that I am legitimately experiencing financial hardship. This letter and all documents attached are true and spoton to the best of my knowledge.
Thank you for your time. I hope to hear from you soon.
Forbearance is an bargain by a creditor to reduce or delay payments for a specified period of time. Interest accrues during forbearance and will increase your loan amount. The good thing is that you will not have to pay late fees and penalties. There is no negative work on on your reputation either.Sample Late cost Explanation Letter2200 Columbia Pike Apartments For Rent - Arlington, VA Video Clips. Duration : 1.22 Mins.
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