To write a debt forgiveness letter, clearly state the reasons why the request for debt relief is being made, recommends the Credit Counseling Society. For example, state that current income is not sufficient to pay debts and explain the reason for the reduction in income.
The letter should note any included supporting documentation, such as correspondence from doctors or case workers, along with proof of current income and expenses, according to the Credit Counseling Society. It should also include information for responding to the request, such as a contact mailing address and phone number. The Credit Counseling Society provides a sample letter to creditors on its website as of September 2014.