If you have fallen behind in your house payments you may need a hardship letter to help stop foreclosure. However, this letter alone can not save you from financial ruin. After you have read the letter continue reading to find out what I am talking about.

Attention: Mortgage Department

We are writing this letter because of our unfortunate set of circumstances that has made us delinquent in our mortgage payments. We have adjusted our style of living just to make ends meet. Unfortunately we still have fallen short or our payment and would like your company to consider working with us to modify our loan. Our top goal is to keep our home and we would very much appreciate any opportunity to do that.

We have fallen late on our payments because (insert the reason here but don't be too lengthy). We have come to a point where we can not afford to pay what is owed each payment. It is our intention to pay what we owe, but at this time we have exhausted all our income resources. Therefore, we are turning to your company for help.

We believe a modification to our existing mortgage would benefit all parties involved. We would appreciate if you could work with us to lower our payment so we can keep our home.

We truly hope you would consider working with us on the unfortunate matter. We are ready to move forward and get this settled. Please feel free to contact us with any questions.

Respectfully,

Mr. & Mrs. John Smith

Loan #1234567

1234 Our Street

Our City, State Zip

Phone: 555-555-1234

The above hardship letter must be accompanied by other documents and even a personal contact between you and the financial institution. The key to stopping a foreclosure is knowing when to submit this foreclosure hardship letter and when to submit the other documents that are critical to the process. You can use the professionals at http://www.foreclosure-free.com to help you through the foreclosure process and save your home. Don't waste another minute. Copy this hardship letter and have it ready when you are ready to stop the foreclosure process.

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