--- title: "Hardship Letter Kit: Payment Plan Request Letters | MCC" description: "Six editable hardship letters (card, car loan, mortgage, utility, landlord, medical), a call script, contact log and follow-up letters, with CFPB and FTC facts." url: "https://mcc-solutionsnj.com/toolkits/hardship-letter-kit" --- Document pack # 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 · 14-day full refund · Word and PDF · download link by email Buy now, $12 Free sample [También disponible en español](/toolkits/es-cartas-dificultad-economica) [Disponib an kreyòl tou](/toolkits/ht-let-difikilte-lajan) [Também disponível em português](/toolkits/pt-cartas-dificuldade-financeira) 🌙 The desk is asleep. The store never is. Every kit and ebook downloads the moment you pay, day or night. Questions get answered after we open in the morning. [Browse the store](/toolkits) 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 [![Page 1 of the Start Here What To Ask For (Hardship Letter Kit: Ask for a Payment Plan in Writing)](/img/toolkits/hardship-letter-kit/doc-1.webp)](/img/toolkits/hardship-letter-kit/doc-1.webp) First page of Start Here What To Ask For [![Page 1 of the Hardship Letters (Hardship Letter Kit: Ask for a Payment Plan in Writing)](/img/toolkits/hardship-letter-kit/doc-2.webp)](/img/toolkits/hardship-letter-kit/doc-2.webp) First page of Hardship Letters Get it ## Hardship Letter Kit: Ask for a Payment Plan in Writing Or pay with PayPal Uses the email and terms box above. You get the same download link by email. ZIP code (for sales tax) Want every toolkit? The [toolkit membership](/membership) includes all of them, with a lower rate if you pay yearly. Get every update for a year, $29: the [Yearly Updates Pass](/updates-pass?kit=hardship-letter-kit) gives you each refreshed edition we release of the kits you own. One payment, no automatic renewal. 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. Ways to get it ## Just this kit, or more This kit **$12 one time** Hardship Letter Kit. Buy this kit The set **$29 one time** 6 kits including this one, $40 less than buying them separately. [See the set](/toolkits/tough-times-toolkit) Membership **$29 a month** Every kit and document pack in the store, including new ones. Cancel any time. [See the membership](/membership) Questions ## Common questions **What do I get and how is it delivered?** The Hardship Letter Kit comes as a zip with five documents, each as an editable Word file and a printable PDF: Start Here What To Ask For, Hardship Letters, Call Script, Who I Talked To Log, and Follow-Up Letters. The download link arrives by email after payment. **Will it open on a Mac, Google Sheets or my phone?** The PDFs open in any PDF reader, including on a phone. To edit, open the Word files in Word, Google Docs or LibreOffice on a Mac or PC. If a file will not open or something looks wrong, reply to your order email and we will make it right. If it is not right for you, email us within 14 days of buying for a full refund. **Is this legal or tax advice?** General information and letter templates, not legal, credit or financial advice. **Is it up to date?** Its facts come only from consumerfinance.gov and consumer.ftc.gov, checked November 2026. Creditors decide their own terms, and no letter can promise an outcome. Free sample ### Try one page first Get a real page or file from this product by email. We send one confirmation email, and no series follows. Buy it with the others [Bundle ### Tough Times Toolkit This product plus 5 more, in one download. $29 instead of $69 separately](/toolkits/tough-times-toolkit)[### Month-End Close Workbook A real month-end close in one Excel file. 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