Fill in your situation and monthly finances to generate a hardship letter you can send to a creditor or debt buyer to request a payment plan, settlement, or forbearance — or attach to a motion to vacate a default judgment as supporting evidence. This isn't a statutory right the way a debt validation or credit dispute letter is — it's a practical negotiation document. If a court requires it to be a sworn affidavit, you'll need to sign it in front of a notary; check your court's specific rules first. Everything you type stays in your browser — nothing here is transmitted or stored.
Your letter
If this is going to a court as part of a motion to vacate, confirm your court's exact filing and notarization requirements first — see default judgment. If it's going to a creditor to negotiate, see what debt settlement typically costs before agreeing to a number.
