Write a hardship letter to a lender

Money's collapsed after illness, job loss or another shock. Get a factual hardship letter that asks for breathing space.

Updated 17 Oct 2026

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The prompt · ChatGPT

Help me write a hardship letter to a lender.

Lender and account: [details]
What's changed: [job loss, illness, separation, other — facts]
What I can pay now: [amount or temporarily nothing]
When I expect to review: [date if known]
Evidence I can attach: [letters, payslips]

Ask me up to 3 short questions first if anything important is missing. Wait for my answers.

Then:
1. A factual hardship letter with a clear ask.
2. An evidence list.
3. What not to promise.
4. Point me to MoneyHelper Debt advice locator and any official breathing-space information to check.
5. A short follow-up if they don't reply.

Only use what I've told you, leave blanks for anything I haven't given, and don't invent facts, figures or products. This is help organising my own numbers and wording, not financial advice; point me to MoneyHelper, GOV.UK or Citizens Advice for guidance, and to a free regulated debt adviser if I'm struggling to pay. UK English.

Stay in this ChatGPT chat. Do not turn on apps or connectors, and do not use memory from another chat.

A short example

Fill the blanks, then paste. details: a short note you already have. job loss, illness, separation, other — facts: a short note you already have. Leave the rest of the prompt as written.

This does not give tax advice. The books stay in the accounting system.

You explain what's changed and what you can pay now.

The assistant asks about evidence and other debts.

You get a hardship letter, an evidence list and pointers to free advice.

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What happens

Use ChatGPT to write a hardship letter to a lender

Money's collapsed after illness, job loss or another shock. Get a factual hardship letter that asks for breathing space.

Tools

Paste the prompt, fill the blanks, copy the draft.

ChatGPT — required. Drafts from the text you paste. Nothing is sent.

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