Hardship Letter

Hardship Letter

Loans and mortgages are the common known terms in this era and people are getting them on daily basis. They get loan and mortgage to buy new vehicles and homes. The amount they get in that loan has to be paid to bank or loan firm in installments and it is not uncommon that sometimes, it’s not possible to pay the installment on time. If that situation is for a while and soon you will be able to pay the bank, you just write a sorry letter and explain your situation. But if something is wrong and you won’t be able to make that installment money for a long time or at least not full of it, you need to write a hardship letter to the bank. In this letter you describe your circumstances and request to lower the amount of installment you agreed to pay according to the contract. Actually the hardship letter is a second step you take in this process as once you have requested to lower the installment amount, the bank or the loan company asks you to provide some solid reasons for that and the hardship letter is the document that contains those reasons. This is an official letter and need to be written with care and consideration.

In this letter you explain the present situation of yours and the estimated duration of the time you won’t be able to pay the full installment amount. You should know that the bank or mortgage firm doesn’t want you out of your house as they have more benefits while you stay inside the house and pay the installments. So you have to consider the loan company as a common business firm who is getting profit from you and don’t want to stop that process. Once you have provided some solid and real reasons, they process your application and lower the installment amount. But you have to keep in mind that a lot of people apply for such a relief and you should present your situation in real and unique way to stand your application different among others.

Reasons such as you or your spouse has lost the job and now you are not making the money you were in the past so it’s not possible to pay the mortgage installment until you get a new job or you met an accident and admitted in hospital and the expenses are just too much that you won’t be able to save money for the installments. Reasons like your company decided to downsize and the only reason you didn’t lost your job is that you agreed to work on lesser salary or worst case scenario, your spouse has died and now you are a single parents and don’t getting any child support from the government. These are some reasons that convince the loan company to consider your application and don’t think of you as another person who just can’t pay the installment without any reason.

Guidelines to write a Hardship Letter:

  • Start the letter by providing your basic information to the lender or Loan Company who lend you the money or mortgage. Information like you full name, you contact addresses and you account number in that firm or bank if you have any.
  • In the first paragraph, explain briefly about your situation and the factors that led you to hardship. Whether you got fired from the job, got divorce or had to face a death in the family, state that clearly in the letter.
  • In the second part, you mention the steps you have taken to overcome this hardship but there is nothing going right at this time.
  • Attach the receipts for the previous installments and state that you are a responsible and law abiding citizen and never disappointed the company before but now you have serious problems and the company should consider your request for the hardship.
  • Close the letter by stating that you hope the bank or loan company will soon process you request and give you some relief until you overcome your problems. Sign at the end and close the letter.

Hardship Letter Sample

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Hardship Letter

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Solicitation Letter

Solicitation Letter

Solicitation for fundraiser is not an easy job because no one want to give his/her money to others without potential benefits especially in fluctuating economy the merchants and businessmen seems uninterested for donations. Successful nonprofit activities like charity and donations require special efforts to persuade your target within corporate and private sectors. Before starting your work, it is important to write an effective solicitation letter that can communicate your message in effective way. It is important to have some information about the target organization before writing solicitation letter. It helps you to communicate your message to target audience in effective way.

Tips to Write Solicitation Letter

Solicitation letter is important to persuade target person for donation and following are some important tips that will help you to write an effective solicitation letter:

  • Brainstorm important keywords to explain mission of your organization. Keywords will help you to target specific population according to the requirements of your organization. You have to identify the type of sponsor you are seeking and start your search by reading mission statements of different organizations.
  • If you want to take money of other person then it is important to persuade him/her for your sponsorship. Create a rough sketch of those points that you want to cover in solicitation letter. Divide your letter in different paragraphs and include important points in your letter.
  • It is important to research about organization to discover responsible persons from the staff of organization. Start your letter with professional greetings followed by salutation. If it is your first meeting then the formal title will be Mr. or Ms followed by surname such as Dear Mr. Smith. If you have met before then you can write Dear Smith.
  • In first paragraph, you have to write about the benefits of probable sponsor association. These will help you to acknowledge the work of sponsor as you can align all benefits with your mission statement. Write some incidents in the letter to give impression to sponsor that you know about him/her.
  • Highlight the goals of your own organization in the second paragraph and write about important works of sponsor. It is important to show ability of your staff to put your association in better light. Avoid lengthy discussions and focus on brevity that will help you to hold the attention of sponsor in better way.
  • Let your potential sponsor to offer your assistance by discussing virtues of solicitation. It is your responsibility to inform about best collaboration of sponsor’s support in alliance of your mission statement. This part of solicitation letter will contain two to three sentences so wrap up your letter on thank you note for hard work and time of organization.
  • Conclude your letter with simple but professional goodbye such as sincerely is the most accepted word. Write first and last name followed by title and name of organization after professional goodbye.

After completing your letter, proofread it more than twice because any grammatical and logical error will annoy sponsor and give a wrong impression about you.

Solicitation Letter Sample

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Solicitation Letter

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Payment Reminder Letter

Sample Payment Reminder Letter

When individuals or instead clients don’t spend up their expenses, the necessity to problem of a late payment reminder letter occurs. These letters are essentially issued as being a reminder on the lapse of the settlement time period.

In the planet of commerce and business, supplying particular credit score extensions to customers and clients is a typical apply and it is frequently reciprocated. The method of this kind of a credit score extension is fairly easy. The vendor provides off the products to the consumer and an arrangement is produced in between the 2 of them in accordance to which, the consumer can make the payment to the vendor with an extra price of curiosity, by the tip of a specified period of time. This period of time is adopted by a little grace time period. In the finish of the grace time period, the vendor is entitled to consider authorized motion to recuperate his losses. The overdue letter is generally issued in the graduation of the grace time period, but some individuals also favor to problem a letter once the real time period arrives to a finish.

This apply is fairly common in all industries and areas and in numerous instances is regarded as to be a greater choice than credit a mortgage. Creating an indication letter can be fairly a job simply because it has to be drafted cautiously, because it is a requirement for payment.

Writing a Payment Reminder Letter

  1. As talked about over an indication letter of overdue is extremely tough to draft to contemplating the truth that it should be accompany however, well-mannered and brief however, educational.
  2. The text of the letter is an additional be concerned because it has to be official and however, has to be easy and basic sufficient to obtain the concept throughout.
  3. Whilst writing this kind of a letter, it is very best to verify some details this kind of as day of revenue, anticipated day of payment, grace time period, and so on.
  4. In inclusion to that, it is also essential to have a glimpse at another details like the payment background of the consumer, complete price of items offered, payment time period and charm time period allowed by your business, and so on.

The following idea that is to be used into thought is the demonstration of details, inside your letter. This is very best carried out by arranging the above mentioned talked about details in a date method, which hypothetically ought to go such as this.

  • Day of buy
  • Day of signing the arrangement
  • Time period of payment
  • Grace Time period
  • Price of interest

The next stage is of showing these details in a well-mannered and respectful method with a company sentence building. Keep in mind that your sentences ought to by no means be conceited or menacing, because it places a blemish on your firm’s track record and goodwill.

Sample Payment Reminder Letter

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Payment Reminder Letter

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Sample Hotel Reservation Letter

Hotel Reservation Letter

A Hotel Reservation letter is a formal letter which is written by an individual or his office to a hotel authority to reserve a room for that person. This letter includes all the relevant and necessary information such as the purpose of the stay, duration and the position of that employee in the company just to make sure that hotel accommodates him according to his designation and superiority. If the hotel is at a populated or crowded location or it’s just that part of the year when it’s hard to find a hotel room, the visitors make sure to reserve a space a few days before their actual visit. For example if you know that in next month you have to go to London to attend a business meeting and that time of the year, it will be absolutely impossible to find a five start hotel in the city, you write a reservation letter to a hotel you like or regular stay at and provide them the information of your visit and ask them to reserve a room for you and one for your assistant or you just tell your department to send the letter officially to that hotel.

There are some places in the world where millions of tourists visit in every season of the year and if you want to visit to that exotic beech or Iceland, you have to send out a reservation letter to a few hotels in that city to check if any of them has a vacant room or will have in the near future. After making sure that you and your family have a place to stay there, you plan your vacations and trip. These types of reservation letters are also used as an official document in case of any misunderstanding or dispute. For example what if you have sent a reservation letter to a hotel but then you cancelled your trip or visit but didn’t tell the hotel and they kept your room for the provided time you told them to and when they send you a bill of expenses, you just freak out that what the hell is this. Now if you have sent the letter and didn’t inform anybody that your trip has cancelled, the hotel has all the right to sue you in the court only because of that reservation letter which will now serve as an evidence in the court.

How to write a Hotel Reservation Letter:

  • As this is a formal letter and will save you from a lot of trouble, its better if you use an official letterhead or the letter is sent by your department instead of you. This way it will be less complicated and easier to verify.
  • Always put the date at the start of the letter just to avoid any later misunderstanding.
  • If you are a regular customer or have an account in the hotel, add that at the start of the main body so that the management will immediately know about you and your previous stays.
  • After that you add a brief description about the nature of your visit, duration of your stay and level of accommodation you are expecting from the hotel such as a common customer or VIP client.
  • At the end you put your contact information just to make sure if the hotel can contact if there is a change in the plans or reservations.
  • You can also add a note at the end such as the duration of the reply you are expecting from the hotel once they have received the letter.

Here is preview of this Free Hotel Reservation Letter created using MS Word,

Sample Hotel Reservation Letter

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Letter of Credit (LC)

Letter of Credit Sample

A letter of credit is an official document which is issued by a company or business to assure another party (seller, vendor) that the goods or services have been received and soon the buyer will pay the amount he owes in return of that services or products. This is a document that proves that the seller or manufacturer has finished his services or deliveries according to the mutual agreement and now he deserves to be paid as soon as possible and he definitely will be. Although sometime the purchaser can’t arrange for the money right away, so he writes this letter of credit to the other party to ensure that he is soon going to pay the money he owes. This is the same letter that serves as a guarantee to the seller and if he doesn’t get his money, he can sue the purchases in the court on the basis of this letter.  This letter also serves as evidence that all the delivered services or products meet the standards according to the agreement and the seller or vendor has done his part.

There are various types of letters of credit but some of them are more important. When a company sends a letter of credit, it could be of one kind of more than one kind at once. This all depends upon the present situation of that time. The common types of letters of credit are:

  • Unconfirmed
  • Confirmed
  • Irrevocable
  • Revocable
  • Transferable
  • Stand-by
  • Back-to-back
  • Revolving

The main advantage of the letter of credit is that it ensures the seller that he is going to get his money without any risk of loses. When the seller and purchaser are in different countries and the same laws can’t apply on both of them at the same time, this letter is the most powerful document in the business world that can be challenged in almost every country and court in the world. In case a bank or number of banks is also involved in the deal or agreement, the risk of non-payment is transferred to the bank(s). Although when you involve a bank in the contract, it may charge you some extra money for issuing the letter of credit. On the buyer side, this letter is also very important as with issuing this letter, the buyer ensures that he won’t be asked for the payment before time as per the contract.

How to write a Letter of Credit:

  • Before you write the letter, make sure that you are addressing to the right person and sending it to the correct department. All the companies have websites from where you can find addresses and in case it’s not possible, call that company and ask about the person and department who deal with the credit issues.
  • At the top of the letter, put your name and contact addresses such as phone number and mail address so that there is no complication to contact you.
  • In the very beginning of the letter, explain the reason of the letter and what type of issues you are having in this process.
  • If you have sent a letter before and this is your second or third letter, provide the reference number of the previous letter(s).
  • Attach the credit report with your letter which indicates the amount that company owes you. If they have made some previous installments, include that information too.
  • If you have an account in that company or some reference number to the mutual agreement, provide it too. This makes it easy for that company to immediately recognize you and collect all the information and documents of your deals and agreements.
  • Finish the letter with a hope that the company will soon respond to your request and will make the payment as soon as possible. Put your full name and signature at the end and close the letter.

Letter of Credit Sample

Here is preview of this Sample Letter of Credit created using MS Word,

Letter of Credit (LC)

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Sample Excuse Letter

Sample Excuse Letter

Right here are six excuse letter examples that you can recommend to, anytime you have to current 1 in school or work. These examples for jury obligation, ‘absent around school’ as well as ‘absent from organization’ can make your work a lot simpler, the following time you require to post them. Maintain them useful!

An excuse correspondence is generally anticipated from an individual who has all of a sudden skipped each day or even more of work. This letter is a proof and/or validation for deficiency, in anticipation of becoming comprehended. The correspondence is a proper notice of the deficiency, from the absent individual, stating time and purpose for his/her deficiency.

Types of Excuse Letters:


  1. Excuse Letters for Business

A worker is anticipated to post this letter in case he/she all of a sudden stays absent from his/her working day at work. If you are a worker, this letter will be a proper notice to your employer stating the explanations for your absence. Keep in mind, you require maintaining the letter brief, and do not consist of particulars that are not required. Pointless particulars can make the letter shed its official contact, and allow it to be look unprofessional. Right here are a couple of examples that you can refer to whilst distributing your personal.

  1. Excuse Letter for Jury Obligation

This letter for jury obligation can be offered in two situations. 1, if you are the one who is invited as being a juror or two, if your worker has been invited as being a juror. In each the situations, you are politely decreasing the excusing yourself from the obligation. This letter generally entails expert company writing, and does not require the addition of every other paperwork. It is only an easy 1 web page drafted correspondence. If you are writing the correspondence for yourself, inquire your business if you can reveal the companies particulars. Right here are two examples for jury obligation that you can undergo.

  1. Excuse Letter for Absent in College

A baby can skip his/her college for a quantity of factors. The most typical 1 is when the kid is not maintaining nicely. This could occur unexpectedly, because it nearly always does. As soon as the kid resumes college, he should current an excuse correspondence for his absence from college, stating the length and purpose for his/her deficiency. Excuse letters for lacking college are anticipated to be created by the mother or father or guardian. This letter serves as being an official notification, inquiring the category instructor or principal to generously excuse the kid for these working day(s).

At 1 stage or an additional, you may require the assistance of these excuse correspondence. These examples will certainly be of assist at the moment, and can make your job of getting ready an excuse letter easier. I really hope these letters had been of assist to you. Now, you understand when and the way precisely, you are intended to, or instead anticipated to, post them.

Here is preview of this Sample Excuse Letter to help you get started writing your own,

Sample Excuse Letter

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Sample Love Letter

Love Letters

Love letter is a letter you send to your loved one i.e. girlfriend/boyfriends or spouse to show them how much you love them and how important they are to you. In this age of technology where emails and mobile messages have made communication a very easy part of daily life, a handwritten love letter is a special gift for your love to remind them that they are the most important thing in your life. Through a love letter you share your feelings with your spouse and ask about what they think of you. You share the precious moments with them that you both shared which still makes you happy and your eyes sparkly.

There were times when there was no internet or telephone and people only had letters to send through post to communicate with their loved ones and spouses. Back then people used to give time, consideration and their true feelings to the words of a love letter. They used to sit for hours just to make every word and sentence perfect according to their situation and feelings and the amount of love inside their heart. Although all that sound like a waste of time these days but there are still people who only use letters to communicate with their loves. According to their thinking, the emails and mobile messages are emotionless means of communications and are very casual which can’t show the right amount of your love to your spouse so they spend more time with the words and write letters with their hearts poured on the paper.

Sending a love letter through post is a time consuming procedure which takes about 3 to 4 days to get the response of your letter from your spouse but when you receive the reply of your letter and open it and see the words of your love, it’s worth waiting. You can use different fonts, colors and use accessories to fashion it like glitter, sparkle, perfume or a fresh rose or tulip. This is the thing that is not possible with a mobile message or email and only can be done with a handwritten letter.

Love Letter Writing Tips:

  • Instead of using a white paper, use a colored and designed one. This will make it look more beautiful and special which is not possible with a simple white paper.
  • Try to write the letter when you are all alone and there is nothing disturbing you. If possible, pop in a CD or cassette to set your mood and relax you. Them ease your mind and try to look back in times when you spend time with the one you are sending the letter to and remember all the precious moments.
  • Use a salutation which shows your love and care and the soft side of your personality. Start with calling the person “Beloved” or “Dearest” or “most beautiful”.
  • Now start writing the body with the feelings you have inside your heart and pour them on the paper to make your love feel very special when he/she reads it.
  • It’s important to tell the person what’s the special thing about them which makes them so special. The beauty of their face, their smile, their voice or the way they talk it can be anything, anything either outside or inside of their personality. You have to show your real feelings and let them believe that there is nothing more important than that one person.
  • Then close the letter with some complementary close like “Yours” or “Yours forever” or “kisses”. Then after that if you call that person with a pet name, write that too to make it more special.
  • Do a personal touch which makes it unique like spraying perfume that you use all the time or a flower inside the folded letter.

Sample Love Letters:

Here are a few quick sample love letters to help anyone starting writing it,

Sample Love Letter

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Sample Authorization Letter

Authorization Letter

An authorization letter is a legal document which gives permission to a third person to act according to the situation of your behalf. This is a letter by which you transfer your decision making powers to someone else for a short time so that he or she would take decisions when you are not around. Statuses, influence, ability for signing a legal document like contract or something or permission to take actions according to the situation are some common factors that are includes in an authorization letter. It’s understood that only superiors can take decisions in an organization and only high class officials give orders in government organizations and agencies but it’s not possible for such a person to be present at every incident to address to the juniors or give permissions to take actions but he nominate someone else less superior on his behalf who is granted with his powers and on his behalf, that person is allowed to take actions as per the instructions written on the authorization letter.

An authorization letter has many other uses too such as when we say a bank authorization letter, it’s a letter you write when you can’t appear personally in the bank and by this letter you give authority to someone else like your spouse or sibling to use your bank accounts on your behalf and bank allow that person to do so only because of a bank authorization letter. When it comes to a property authorization letter, it’s a letter written by an owner of a property to a third person which able him to sell or lease the property on the behalf of the actual owner. This is a very common example in our daily life when a person goes abroad for few years; he can’t come back every time there is a case in the court regarding his property so he gives the dealing rights to someone who is staying there and can appear in the court on every hearing. Another common example of authorization letter is that when you sell a vehicle but the transfer documents are not ready yet, in order to let the new owner drive it safely in the city, you issue an authorization letter to that person which shows that you have sold the vehicle to that person but the transfer papers are not done yet.

How to Write an Authorization Letter:

  • Unlike most of other letters, its better if you type instead of hand-write it. As an authorization letter is an important document, typed letter on company’s letterhead makes it more official and vital.
  • It’s important to use just the right tone which is only possible if you know the person you are addressing to. If you are giving permission to someone to act in a legal situation by himself, it’s important to sound like a professional and superior.
  • There is no need to make it long and dense but keep it as concise as possible. Add the necessary information thoroughly and avoid useless discussions.
  • Before starting the body of the letter, write your name, your designation and sensitive and confidential information and also the full details of the person you are addressing to.
  • Close the letter with an appropriate closing note such as “Regards” or “Sincerely”.

Here is preview of a free Sample Authorization Letter created using MS Word,

Sample Authorization Letter

Here is download link for this Authorization Letter,

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Sample Permission Letter

Permission letter is a widely used letter and it serves as both formal business document and informal family letter. When writing a permission letter, you ask for a person to grand you an authority to do something or take decisions on his behalf or as a reply to a previous letter, you write this letter to accept his request and grant him the permission he wants. As it’s a routine process in an organization or a business that different departments or employees take decision or big steps in order to continue the working of the company, they don’t always know if they have the needed authority or if the person at the other end will accept their permission regarding a specific situation, these employees write permission letters to their seniors or head office to make sure if they have the right and power to take a step at their own and if the other party will accept their signatures on official documents.

Other than these business firms, there are a lot of other people who use permission letters. For example school authorities use a permission letter to inform the parents that their son or girl wants to go to a trip and they are asked to grant the permission if the school is allowed to take them or not or when an art gallery sends you a letter to tell you that someone is interested in your painting or other piece of art and if the gallery is allowed to sell that item. Where in the return you write them if they have your permission or not. When it comes to relationships, a friend can ask you to permit him to submit your documents on your behalf for a contest or competition or something like that if you are not in town but soon will be.

How to Write a Permission Letter:

  • As this is a very formal and official document, it’s important that you only use a proper company letterhead to send out this permission letter and you better compose it on computer instead of writing it by hand.
  • Offices receive thousands of letters on daily basis so you better put a subject in the very beginning to clear the main purpose of writing this letter or some idiot may think it as a spam and through it without reading properly.
  • The key ingredient of this letter is to get permission of someone and it’s better if it comes from the right person otherwise it can create a big mess so address to the proper person with him full name and department address.
  • After that state the key purpose of writing the letter and if it’s possible, make points to make it more clear and easy to process.
  • As you are asking for permission to do something, it’s necessary to add a little about how that person can contact you which means a proper explanation and your full contact information.
  • At the end, just add a little note about how many days that person has before giving the permission such as two days after the letter has received.
  • If it’s possible, always follow-up the letter by sending out a verification letter or phone call to make sure that they have received your letter and there is no misunderstanding in the whole process. 

Here is preview of this free Sample Permission Letter created using MS Word,

Sample Permission Letter

Here is download link for this Permission Letter,

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Sample Confirmation Letter

A confirmation letter is a formal letter which is sent in return to validate a spoken agreement. Mostly it’s a business letter but individuals also sent this to each other to confirm a meeting’s time, location and date or as a receipt of an item that you have received earlier. When we discuss a confirmation letter in business world, it’s a letter to confirm an appointment with a visitor, client or business partner, or to confirm an inside meeting in the company to discuss problems or new planning which is decided but only orally with no written document and this letter is just to make this meeting or conference an official thing for the future record. Companies also send this letter to the newly appointed employees to officially let them know that they are hired and need to join the duty as soon as possible.

The key purpose of a confirmation letter is to make sure that both parties in a deal are on the same page and there is no confusion among them. This letter serves as the most important piece of record when it comes to a conflict between two business partners to clarify who is guilty and who is innocent. Inside a company, when superiors call for a meeting either with inside staff or outside clients, they just say it verbally but their assistants are supposed to prepare official documents to inform them and to confirm the time, date and location of the meeting. Once the meeting is over, again the assistants are required to create documents to use it as evidence in the future in case of any misunderstanding.

When you send an order to a vendor or supplier, the receiving party is supposed to check if they can provide the asked items or services and once they have confirmed, they are required to send back a confirmation letter to the buyer to let him know that he will be provided with the needed stuff at the time. This is an obvious thing that when two people deal with each other, it’s not possible always for them to meet personally every time so they communicate with help of documents like letters or order details and as you know there is no proof of what a person said at a specific time or what he agreed to do, the confirmation letter bounds them to stick with the plan. For example when you have asked for a couple of equipment from a supplier, he sends you a confirmation letter to seal the deal. After that if he delays the shipment or cancel the order, you can sue him and use this letter against him in the court.

How to write a Confirmation Letter:

  • As this is a formal letter and mostly use only in business world, it’s very important to use company letterhead to make it official.
  • It’s vital to use proper salutation and address the reader with the most appropriate respect that he deserves.
  • This letter must contain all the needed dates, time, locations and agreement details like terms and conditions to avoid any misunderstanding.
  • Any specials rules or regulations that will be applied in specific circumstances are also needed to discuss here.
  • If you have received the items or products that you have ordered before and you are sending this letter to your vendor, use a sentence like “I am very happy to confirm that I have received the items or the required services are delivered according to my needs.”
  • Close the letter with a proper greeting and good bye such as “Take care” or “Regards”.

Here is a sample Confirmation Letter that confirms a job offer,

Sample Confirmation Letter

Here is download link for this Confirmation Letter,

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