The purpose of the letter is to describe why the borrower may not be able to make their mortgage, car loan, or other debt payments. In order to ensure that your payments continue to be processed in a timely manner, please complete the attached agreement and follow submission instructions.Below you will find links to useful forms and documents for easy and convenient access. On this page are descriptions of the various forms that landlords might encounter when participating in the HCV program. Learn how to write an effective hardship letter. Online: Submit your forms online through the Civil eFiling Portal. HWS orders its loan docs AND loan funds simultaneously, since it can take up to 10 county working days to receive funds in escrow from RivCo. Learn how to write an effective hardship letter. The term 'secured' means the borrower must put up collateral, such as a home or a car, in case the loan is not repaid. Filling Out the Form Properly.