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To Whom It May Concern: I am writing this letter to explain my unfortunate set of circumstances that have caused us to become delinquent on our mortgage. We have done everything in our power to make ends meet but unfortunately we have fallen short and would like you to consider working with us to modify our loan.

How to Write a Hardship Letter ? The Ultimate Guide Hardship Examples. There are a variety of situations that may qualify as a hardship. ... Keep it original. ... Be honest. ... Keep it concise. ... Don't cast blame or shirk responsibility. ... Don't use jargon or fancy words. ... Keep your objectives in mind. ... Provide the creditor an action plan.

Because my income has dropped considerably I can no longer afford the terms of the original loan. As a loyal customer of your financial institution, I'd like to ask for the following: ? A lower interest rate amount of NO MORE THAN 6% ? Accept lower payments of $ _________ per month.

Keep your hardship letter brief and to the point: four paragraphs is ideal, and no more than two pages. Be sure to include: Homeowner name(s), address(s), and phone number(s) and relevant loan number(s). Relevant details about the loan or property, such as the number of months delinquent, property value, or equity.

Starting in 2021, a new federal rule made it easier for patients and Medicaid recipients to access their medical records. Alabama Medicaid recipients and Alabama patients can view their health information from their smartphone or mobile device through a health application (app) of their choice.

The short answer is most likely five to ten years after a patient's last treatment, last discharge or death. That being said, laws vary by state, and the minimum amount of time records are kept isn't uniform across the board.