Whether you're asking for a lower payment, a paused balance, or debt forgiveness — this kit gives you the words and structure to be heard.
Drowning in Bills and Feeling Ignored?
❌ Struggling to make payments due to job loss, illness, or life changes
❌ Creditors demanding money you simply don’t have right now
❌ No clear way to explain your situation or request a break
❌ Facing threats of court, collections, or wage garnishment
❌ Overwhelmed by legal paperwork and confusing terms
❌ Told “nothing can be done” — even when you’re trying your best
❌ Denied payment plans or settlements because you couldn’t document your hardship
❌ Feeling powerless while trying to protect your family and finances
Speak Up, Document It, and Fight Back — Without Guesswork
✅ Documented your financial hardship clearly and professionally
✅ Stopped collection calls and opened the door to real solutions
✅ Submitted hardship letters that actually got read and considered
✅ Used a proven, fill-in-the-blank system to explain your situation
✅ Protected your peace of mind while navigating tough seasons
✅ Took the first step toward payment plans, settlements, or debt relief
✅ Advocated for yourself — with confidence and clarity
✅ Shifted from overwhelmed to in control of your next move
📄 Income-Based Hardship Letter Templates (PDF + Word)
Craft clear, respectful statements that explain your financial situation and request relief.
⚖️ Filing Instructions for Creditors and Courts
Know exactly where and how to send your hardship letter — whether you're dealing with a lender, collector, or judge.
📌 Proven Formats for Payment Plans, Settlements, or Relief Requests
Use what works. These templates have helped real clients pause payments, reduce balances, or stop collections.
BONUS: Financial Hardship Affidavit Outline + Checklist
Make sure nothing is missing with a ready-to-use checklist that keeps your request complete and compliant.
Drowning in Bills? This Letter Could Be the Lifeline You Need.
Request relief the right way — and start breathing easier by next week.
What Clients Say About It
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“I was drowning in bills after losing hours at work. This kit gave me the exact language I needed to request a payment plan—and they approved it! I finally feel like I’m back in control.”
— Latasha M., Memphis, TN
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“I had no clue how to talk to creditors about my situation. The affidavit template made it simple, respectful, and professional. It helped me avoid court completely.”
—Keisha B., Atlanta, GA
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“I bundled this kit with the Clean Slate and used it to show proof of hardship. My debt collector agreed to a lower settlement, and I didn’t have to pay a lawyer.”
— Monique R., Dallas, TX
Drowning in Bills? This Letter Could Be the Lifeline You Need.
Request relief the right way — and start breathing easier by next week.
The Hardship Affidavit Kit is an educational resource designed to help individuals communicate financial hardship to creditors and courts. It provides customizable templates and general guidance for debt relief requests, payment plans, or settlement negotiations. Results are not guaranteed and may vary based on creditor policies, documentation provided, and individual circumstances. This kit is not legal advice and does not establish a client-attorney relationship. Always consult a licensed professional if you need legal representation or financial counseling.
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