A Hardship Letter to Collection Agency is a crucial document used when individuals face significant financial difficulties affecting their ability to meet debt obligations. This document, governed by English and Welsh law, serves as a formal request for consideration of alternative payment arrangements or debt settlement. The letter should comprehensively outline the debtor's current financial circumstances, reasons for hardship, and proposed resolution plan, while complying with FCA regulations and consumer protection guidelines. It's particularly important to include supporting documentation and maintain transparency about the financial situation.
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1. Personal Information: Name, address, account/reference numbers, contact details
2. Debt Information: Details of the debt amount, original creditor, current status
3. Hardship Explanation: Clear description of financial difficulties and their cause
4. Current Financial Situation: Overview of income, expenses, and other debts
5. Request/Proposal: Specific request for payment arrangement or settlement
1. Supporting Documentation Reference: Section referring to attached evidence of hardship, used when available
2. Medical Circumstances: Details of health issues affecting ability to pay, if applicable
3. Third Party Authorization: Authorization details if someone is writing on behalf of the debtor
1. Income Proof: Pay stubs, benefits statements, or other income documentation
2. Expense Summary: Detailed breakdown of monthly expenses
3. Medical Documentation: Supporting medical documentation if claiming medical hardship
4. Benefits Documentation: Proof of government assistance or benefits if applicable
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