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Hardship Letter Kit: Letters, Call Script and Contact Log for Asking Creditors for a Payment Plan, Deferral or Lower Payment
Ask for a payment plan, a deferral or a lower payment the right way: by phone, then in writing, with a record of who said what.
$12 one time · Word and PDF · download link by email
Who it is for
Anyone behind on bills, or about to be, after a job loss, cut hours or a medical expense, who wants to ask creditors for a break and keep proof.
Not the right fit if
You need legal help with foreclosure, eviction or a lawsuit: these are letter templates; talk to legal aid or a lawyer.
Why it is different
- Facts only from consumerfinance.gov and consumer.ftc.gov, checked November 2026.
- Templates you edit; no promises about what a creditor will do.
- Word files to fill in and PDFs to print.
What is inside
- Start here: what to ask for. Payment plans, deferrals, temporary reductions and forbearance, with what the CFPB and FTC say and what to keep in writing.
- Hardship letters. Six editable letters: credit card issuer, auto lender, mortgage servicer, utility, landlord and medical provider.
- Call script. What to say, the questions to ask before agreeing, and what to avoid.
- Who I talked to log. One line per call or letter, plus each creditor at a glance.
- Follow-up letters. Confirm a phone agreement, chase a request with no answer, and ask for the terms in writing.
A look inside
The first pages, as you will get them
Get it
Hardship Letter Kit: Ask for a Payment Plan in Writing
Want every toolkit? The toolkit membership includes all of them, with a lower rate if you pay yearly.
Delivered as a zip of editable Word files and printable PDFs. For one business, your own use. General information and templates, not legal, tax or accounting advice. General information and letter templates, not legal, credit or financial advice. Creditors decide their own terms and no letter guarantees an outcome. Not affiliated with the CFPB, the FTC or any creditor. Payment is handled by Stripe. If a file will not open or something looks wrong, reply to your order email and we will make it right.
Free sample
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