Rhode Island Modelo de carta de solicitud al acreedor para la reducción temporal del monto del pago del préstamo - Sample Letter for Request to Creditor for Temporary Reduction of Loan Payment Amount

• Category: Cartas - Préstamos y préstamos - Reducciones de pago
• State: Multi-State
• Control #: US-0277LR
• Format: Word

Description

Carta del deudor al acreedor solicitando una reducción temporal del monto del pago de un préstamo. [Your Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number] [Date] [Name of Creditor] [Address of Creditor] [City, State, ZIP Code] Subject: Request for Temporary Reduction of Loan Payment Amount Dear [Creditor's Name], I hope this letter finds you in good health and high spirits. I am writing to discuss a temporary modification of my loan repayment terms with [Creditor's Name]. Due to unforeseen circumstances, I am facing financial hardships and request your assistance in temporarily reducing my monthly loan payment amount. I have been a responsible borrower and have made consistent payments on time throughout the loan tenure. Unfortunately, [explain the reason for your financial hardship, such as a sudden job loss, medical expenses, or any other valid reason]. This event has significantly impacted my financial stability and left me struggling to meet my current loan payment obligation. Understanding that my current situation is temporary and striving to honor my financial commitments, I kindly request a temporary reduction in my loan payment amount for a period of [state the duration, for example, six months]. During this time, I believe I can bring my financial situation back on track and resume the regular loan payment schedule. I have evaluated my current income and expenses and propose a temporary reduced payment amount of [provide the specific reduced amount] to alleviate the burden without defaulting on the loan. This lower payment will enable me to continue making timely payments and ensure minimal disruption to both parties involved. I assure you that this request is not an attempt to avoid my financial responsibilities or to renegotiate the loan terms permanently. It is solely to seek temporary support during this financial crisis, which, once resolved, will allow me to revert to the original agreement. I am fully aware that any reduction in the monthly payment amount will extend the overall loan term, resulting in additional interest charges. However, considering the circumstances, I believe the benefits of maintaining a good relationship with a reliable borrower like me outweigh any potential drawbacks. To demonstrate my commitment and reliability, I am enclosing relevant documentation, such as [list the documents like bank statements, pay stubs, medical bills, termination letter, etc.], which further substantiate my current situation and need for temporary relief. I kindly request your prompt consideration of my request and a written acknowledgment within [mention a reasonable timeframe, e.g., two weeks]. This will allow me to plan my finances accordingly and resume payments as per the agreed-upon schedule. If you have any questions or require additional information, please do not hesitate to contact me at [provide your phone number or email address]. Thank you for your understanding and genuine support during this challenging period. My commitment to fulfilling my financial obligations remains strong, and I am confident that together, we can find a solution that benefits all parties involved. Yours sincerely, [Your Name]

[Your Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number] [Date] [Name of Creditor] [Address of Creditor] [City, State, ZIP Code] Subject: Request for Temporary Reduction of Loan Payment Amount Dear [Creditor's Name], I hope this letter finds you in good health and high spirits. I am writing to discuss a temporary modification of my loan repayment terms with [Creditor's Name]. Due to unforeseen circumstances, I am facing financial hardships and request your assistance in temporarily reducing my monthly loan payment amount. I have been a responsible borrower and have made consistent payments on time throughout the loan tenure. Unfortunately, [explain the reason for your financial hardship, such as a sudden job loss, medical expenses, or any other valid reason]. This event has significantly impacted my financial stability and left me struggling to meet my current loan payment obligation. Understanding that my current situation is temporary and striving to honor my financial commitments, I kindly request a temporary reduction in my loan payment amount for a period of [state the duration, for example, six months]. During this time, I believe I can bring my financial situation back on track and resume the regular loan payment schedule. I have evaluated my current income and expenses and propose a temporary reduced payment amount of [provide the specific reduced amount] to alleviate the burden without defaulting on the loan. This lower payment will enable me to continue making timely payments and ensure minimal disruption to both parties involved. I assure you that this request is not an attempt to avoid my financial responsibilities or to renegotiate the loan terms permanently. It is solely to seek temporary support during this financial crisis, which, once resolved, will allow me to revert to the original agreement. I am fully aware that any reduction in the monthly payment amount will extend the overall loan term, resulting in additional interest charges. However, considering the circumstances, I believe the benefits of maintaining a good relationship with a reliable borrower like me outweigh any potential drawbacks. To demonstrate my commitment and reliability, I am enclosing relevant documentation, such as [list the documents like bank statements, pay stubs, medical bills, termination letter, etc.], which further substantiate my current situation and need for temporary relief. I kindly request your prompt consideration of my request and a written acknowledgment within [mention a reasonable timeframe, e.g., two weeks]. This will allow me to plan my finances accordingly and resume payments as per the agreed-upon schedule. If you have any questions or require additional information, please do not hesitate to contact me at [provide your phone number or email address]. Thank you for your understanding and genuine support during this challenging period. My commitment to fulfilling my financial obligations remains strong, and I am confident that together, we can find a solution that benefits all parties involved. Yours sincerely, [Your Name]

Para su conveniencia, debajo del texto en español le brindamos la versión completa de este formulario en inglés. For your convenience, the complete English version of this form is attached below the Spanish version.