To Whom It May Concern:
This letter is to explain our hardship situation. On or about December 2, 2008, my husband was suddenly and unexpectedly laid off on his job. He found employment at another firm on Dec. 15th, but this employer cut his hours after only two weeks of work. Unfortunately, the same thing happened to me – my employer cut my hours and then closed down for good. I am still looking for work, and we have decided that we are going to have to move in order to find better-paying jobs for ourselves and our two children. We have cut out all our entertainment expenses – including attending Bible study – to save on gasoline. We really want to save our house, but if we can’t,we would not want to file for bankruptcy. It is against our principles, but if push comes to shove and we have to file for bankruptcy in order to avoid foreclosure, then we will. We are asking you to please help us in this time of national financial crisis, and work with our realtor to do a short sale. We sincerely appreciate your help in this matter.
Yours truly,
John Smith

Please note: it is important to use the phrase, “we do not wish to file for bankruptcy” in your letter. Why? Because the last thing that the lender wants to get involved in is a bankruptcy, and/or eviction. It lengthens the time involved considerably!
Click Here!
Feel free to post your comments or any questions you might have. Good luck!