If you are unable to pay your bills on time, here is a sample template you can use to write a hardship letter for bills.
[State, ZIP Code]
[Subject: Normally bold, summarizes the intention of the letter] -Optional-
Dear [Recipients Name],
The sole purpose of this letter is to inform you about the reason why I have not been able to pay off my [type] bills, and if it is possible to find a solution that will benefit both your company and me.
Ever since [event], I have had massive financial problems due to [cause]. This is the reason I have not paid off my [type] bills towards your company.
Since my income has gotten smaller, I would like to request my debt to be split into [ex. 4] monthly payments. I will pay by card/check every [date]. I will be waiting for your reply with hopes that you find my offer agreeable.
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