Here is a sample template you can use to write a pandemic hardship letter.
[State, ZIP Code]
[Subject: Pandemic Hardship Letter]
Dear [Recipients Name],
I am writing this letter to inform you that I have not reconciled my debts to your company. Ever since the world pandemic has started, I have been experiencing [financial/medical] hardship.
On [Date], I have [Lost my job/got sick/etc.], which has immensely affected my financial status. I want to ask for your understanding and to offer a solution. My monthly income is currently $, and I would pay you back $ monthly and work on paying off my debt towards you.
Again, I hope you can understand the situation I am in and hope that this did not cause any inconvenience for you.
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