Payment protectionDetails
- Revisions within the package are free.
- If you do not respond within 3 days of delivery, the work is accepted automatically.
The money is reserved when you pay and released only once you accept the work.
Example result
Business letter: payment reminder to a wholesale client
Version A: polite but clear
Subject: Invoices HOC-0412 and HOC-0419: payment now 34 days overdue
Dear Ms. [Surname],
Thank you again for featuring our autumn mugs in your window display. We have heard from several of your customers who found us through your shop, and we value the partnership.
I am writing about two invoices that remain open:
| Invoice | Date | Amount | Due date |
|---|---|---|---|
| HOC-0412 | 2 September | $1,240.00 | 16 September |
| HOC-0419 | 9 September | $865.50 | 23 September |
| Total | $2,105.50 |
We have not yet received payment for either of them, and our reminder of 1 October went unanswered. If payment has already been sent, please accept our thanks and let me know the date so we can match it.
Could you please settle the total of $2,105.50 by [date, 7 days from sending]? Bank details are at the bottom of both invoices. If a split payment would be easier, reply to this email with a date for each part and we will gladly agree it.
We would like to plan your winter order together, and we can confirm the new collection as soon as the account is up to date.
Kind regards, [Your name] Hollow Oak Ceramics | [phone]
Version B: firm (changed paragraphs)
Subject: Final reminder: $2,105.50 overdue since September
Despite our reminder of 1 October, invoices HOC-0412 and HOC-0419 remain unpaid, now 34 days past their due dates.
Please pay the full $2,105.50 by [date]. Until the account is settled, we are unable to dispatch new orders, including the winter collection reserved for you.
If we do not receive payment or a reply by that date, we will apply the late fee set out in our terms of trade (section 5) and pass the matter to our collections partner.
Notes for you
- Use Version A first. If there is no reply within 7 days, send Version B.
- Fill in the bracketed fields and check that the invoice amounts match your records.
- Only mention the late fee if it really is in the terms the client signed.
Client: Hollow Oak Ceramics, a small pottery studio selling to gift shops Situation: a retail partner has not paid two invoices, now 34 days overdue. The studio wants the money, but also wants to keep the shop as a client. Delivered: one letter in two tones. Version A is below in full; Version B shows the paragraphs that change.
The client and all details are made up.
About this service
A hardship letter asks a lender, landlord or utility company for a specific arrangement after a job loss, illness, divorce or another setback: a payment plan, a deferral, reduced rent for a few months or a loan modification. The letter states what happened and when, what you can pay now, what you are asking for and when you expect things to improve, in a calm and honest tone. Hardship departments read many of these, so we keep it short, specific and easy to approve.
What is included
- What you getA hardship letter with a clear request, a short timeline and the amount you can pay, with account numbers and dates marked for you to fill in and check. You get it as text on the order page, ready to sign and send.
- One clear requestPlan, deferral or reduced payment
- Honest timelineWhat happened and when
- What you can payA realistic figure, not a vague promise
- Path to recoveryWhen and how things should improve
- Attachments listWhich proof you are sending
How it works
- 1BriefYou describe the situation and the ask
- 2LetterWe write a short, factual request
- 3DeliveryYou check the facts, sign and send
What we need from you
Who the letter is for, what happened and when, your current income and what you can pay, the arrangement you want and the documents you plan to attach.
We will ask you:
- Who is the letter for?
- What happened, and since when?
- What arrangement are you asking for?
- How much can you pay each month right now?
Compare packages
| Packages | Basic1 hardship letter up to 1 page$12 | Standard1 letter up to 2 pages, 2 tones$25 | Premium3 letters to different creditors$45 |
|---|---|---|---|
| Deadline | 1 day | 2 days | 3 days |
| Revisions | 1 | 2 | 3 |
| Letters | 1 | 1 | 3 |
| Length | up to 1 page | up to 2 pages | up to 2 pages each |
| Tone versions | 1 | 2 | 1 |
| Order Basic | Order Standard | Order Premium |
Payment protection
You pay when you order, but the money is released only for accepted work.
- Fixed priceThe package price does not change after you pay.
- The money is reservedWhen you pay, the amount is only reserved. It is released to the service once you accept the work.
- Checked before deliveryEvery result goes through a quality check before it reaches you, and you see it on the order page before accepting it.
- Free revisionsAsk for changes within your brief as many times as the package allows.
- Acceptance after 3 daysIf within 3 days of delivery you neither accept the work nor ask for changes, it is accepted automatically. If you write in the order chat after delivery, the order waits; once we answer, we may start the 3 days again and will say so in the chat.
- Redo or a full refundIf the result does not match your brief and the revisions did not fix it, or the work takes more than twice its deadline, write in the order chat: we will redo the work or refund the payment in full.
Questions and answers
Will the lender accept my request?
The letter presents your case clearly, but the decision is theirs. Many lenders also have their own hardship form; send the letter with it.
Is this financial or legal advice?
No. For debt options or eviction questions, talk to a free debt advice service or a lawyer in your country.
Can you make my situation sound worse to get a better deal?
No. The letter only uses the facts you give us, because creditors often ask for proof.