Here is a sample template you can use to write a HOA hardship letter.
Phone number: _
The Board of Directors,
Name of HOA,
With a heavy heart, I want to bring it to your notice that I have to sell my house in a short sale because of the increasing financial constraints. It’s been nearly eight months since I lost my job. Since then, I have borrowed nearly an amount of [enter amount] against my credit card to keep the house running.
[enter any additional burdens you’re facing]
It has now become impossible for us to afford this house and pay its mortgages and HOA fees.
You can call me if you need any other details.
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