AI Hardship Letter Writer
Life happens. This tool helps you put it into words.
Your Situation
Step 1Your Letter
Drafting your letter with Gemini 3.1 Pro...
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- ✓ 3 letters / day
- ✓ 500 character input limit
- ✓ All letter types
- ✗ Ads shown
- ✓ Unlimited letters
- ✓ 20,000 character input
- ✓ Priority speed
- ✓ No ads
- ✓ Everything in Pro
- ✓ Batch processing
- ✓ API access
- ✓ Priority support
Frequently Asked Questions
What is a hardship letter?
A hardship letter is a formal document you send to a lender, creditor, or institution explaining why you cannot meet your financial obligations. It describes your circumstances — job loss, medical emergency, divorce, natural disaster — and requests relief such as a loan modification, payment plan, or debt reduction.
Will this letter work for my mortgage company?
This tool generates a professional, well-structured letter following the format mortgage servicers expect. However, every lender has different requirements. Use the generated letter as a strong starting point, then customize it with your specific account details and any documentation your servicer requests.
Is my information stored?
No. Your input is sent to the AI model for processing and immediately discarded. We do not store, log, or train on any personal information you provide. Your hardship details never touch a database.
Can I edit the letter after it's generated?
Yes. The output is fully editable text. Copy it, paste it into your word processor, and adjust names, dates, account numbers, or any details before sending it. We strongly recommend personalizing it with your specific information.
Should I attach supporting documentation?
Yes, always. A hardship letter is much stronger when accompanied by supporting documents: medical records, termination letters, bank statements, tax returns, or any evidence that corroborates your situation. Most institutions expect documentation alongside your letter.