When money gets tight, the hardest part is often making the first call. A short, clear letter can help. It shows you're taking responsibility, explains what happened, and asks for something specific, like a payment plan or a few extra weeks. Answer a few questions below, and this free tool writes the letter for you.
My Hardship Letter
Ask a utility, landlord, or lender for a payment plan, clearly and without shame.
1. About Me and the Account
2. My Situation and Request
3. My Letter
Press "Write my letter" to fill this in from your answers. You can edit it here before printing, or read it over the phone.
Asking for help early is a sign of responsibility. Chances.org
Tips for asking for help
- Reach out early, before you miss a payment if you can. Companies are usually more flexible when you call first.
- Only offer what you can really pay. A smaller plan you can keep is better than a bigger one you'll miss.
- Ask about programs by name: hardship programs, payment plans, budget billing, medical certificates for utilities, and low-income discounts.
- Keep a record. Note the date, who you spoke with, and what they agreed to, and ask for any agreement in writing.
- Get outside help too. Dial 211 for local programs that help with rent and utility bills. If you're facing eviction, contact free legal aid right away.
More help: See Help Paying Bills and Help With Heating and Electric Bills, or explore all the tools in The Chances Toolbox.