Financial hardship letters to creditors need to have the name and address of the creditor included. Add your name and address, and account number of the debt. Be sure to include the reasons or circumstances of your hardship. Detail out what your are trying to do to get back to normal. Be honest, and don't complain about the situation you're in. If you've been laid off, explain that, and let them
. know what steps you're taking to make whatever payment you can afford. A sample letter can be seen at http://www.finejewelrydesigns.com/sample-hardship-letter.html.
