A Guide in Writing a Hardship Letter

There are times that unfortunate circumstance hinders us from the necessary responsibilities and obligation we need to fulfill. One of the many is our mortgage. To make sure that you can be helped through your tough days, here’s a guide to help you make a hardship letter to help you with resuming your loan payment with the permission of your lender.

So, what does hardship mean and what does it take to qualify yourself into writing a hardship letter to your lender?

Hardship in the financial sense simply means a situation where an individual does not have the capability to pay a debt. Hardship letters is a legally and the best approach to handling your account. This will help your lender know what options should be offered to help you manage your account.

Even if hardship is a general term of inability to proceed with an individual’s payment, there are certain factors or situations that lead to the matter. Some involve employment issues, death or divorce. Whatever your reason may be, it is important to showcase honesty in your hardship letter. This will let your lender help you with your concern more.

1. Own it

A hardship letter comprises both commitment and honesty. If you are going through the situation for the first time, I’m pretty sure you might be puzzled on what to write thus leading you to go through websites looking for sample letters. If you are simply looking through examples, it is definitely okay. It will lead you on how the content should go. However, never copy anything that you can find online because it will diminish the sincerity you have in your letter. More than that, a letter should be personalized thus you need to on your content not own somebody else’s just because you found it online and it read quite nicely.

2. Show honesty

Maybe sincerity can be easily feigned given that letters don’t show your face, but when it comes to legal actions, you should always spill honesty. When it comes to serious matters and something related to legalities, your word is investigated thus if you are claiming something false just to get through a situation, then you should be prepared for a worse one to come. Honesty also means having enough proof to support your claim.

3. Be concise

It may be tempting to tell your detailed story, however, keeping your story brief is a better alternative. Keep off details that are not connected to your concern, instead keep your letter brief and stick to a page worth of explanation. Just like you, a creditor has a lot to do and there are as many stories that he needs to read on after yours.

4. Do not point fingers

Unfair circumstance often led to problematic situations however it does not mean we need to blame everything to that circumstance just to escape our responsibilities. If you are on a blame game, you will seem more unreliable to the lender. Explain your situation and negotiate your way through on what you can do or offer instead.

I hope these reminders help you as you go looking online for ‘how to write a hardship letter’. If you are looking for a professional’s help to help you further, check on


Choosing the Accepted Roofers to Partner 

There are so many people now that they would hire a company or a service because a lot of people are talking about it. There are also some that they would get a company according to the things they know about it. This could be the reasonable price or a great service that they have experience from this person. But you need to remember that it could be possible that you can use the two of them. It is nice that we are always secured and we know what we are doing. It is hard to trust our instinct sometimes.  


Getting to know different roofing company service Saint John is nice but you have to consider as well the different aspects when it comes to choosing it. This one would be similar to finding a house in your area. You are going to try listing down all the houses or interesting one so that you can visit it. At the same time, you would ask about their features and the price. There could be a comparison between those houses when it comes to the feature and the price together. This is a common thing that we can do.  

When you found a nice company or service for your roof. You need to make sure that you are going to build a strong bond between the two of you. This is a nice method to use so that they can trust you and you can get their trust as well. This will result to a win-win situation where you will pay them according to the good result that they have produced. At the same time, they will give you a nice outcome that you didn’t expect as well. They will be the one to offer for possible warranties and services.  

It can always save you some time since they will prioritize you more when it comes to this matter. No matter what time is it or when you need it. They will be there to help you as always. You can ask them as well when it comes to some of the problems that you are experiencing there with your roof 

Another positive view here is that you can get so much information and knowledge from them. They will be more open when it comes to the different strategies that they can do to help you. You are always welcome as well when it comes to asking some questions to them.  

They will try their very best as well when it comes to making the project smooth. They won’t let this one to happen in a bad situation or ways. Others may tell that it is hard to build a good relationship with others. The nicest thing here is that you are open to your own opinion. It means, if you think that they are nice, then you can make friends with them. You can also give them a nice meal or a nice way to treat them so that they would feel special.  


Things You Don`t Know About Massage Therapy 

Massage therapy is one way to calm our nervous system and enhance the circulation of our blood. Apart from that, it provides comfort if we have pains in the muscle. It is also helpful to people who are suffering from arthritis and muscle spasms. It might be one of the oldest traditions of healing but the most effective.  

Having a long tiring day makes us decide to pamper ourselves and visit a massage therapist. We want to get rid of our body pains and recharge our energy for the upcoming weeks that await us. Massage therapy is also helpful to many people who are suffering from injuries and many more. It has been around for decades and provides incredible and commendable benefits to the market. Besides, it is not only famous in a specific place but also worldwide. 

Nowadays, with the increasing number of people who love to visit a massage therapist, many companies administer and prepare massage techniques. The companies hand over services that perfectly suited to the needs of the clients like, Visalia CA massage. Because of the company`s exemplary performance, it makes them one of the most fast-growing companies in the field of massage therapy today.  

Even though massage therapy is known for every individual, there are still facts that will surprise you. Do you have any idea what are the facts about massage therapy are unfamiliar? If none, brace yourself as we will enter the deep part of massage therapy that will impress you! 

  1. Based on the data that the American Massage Therapy Association provides, over 18 billion dollars was valued in the industry of massage therapy. As the year increases, its value also increases, which means more job opportunities for massage therapists. 
  2. Massage therapy is not only for people but also for animals. Research shows that animals also need a good massage to reduce stress and body pains. It can also increase their emotional well-being.  
  3. Avoid getting a massage while under the influence of an alcoholic drink, as it will make you drunker. As we all know, a massage helps in maintaining the body`s circulation. In case there is alcohol in your body, it will disseminate faster and stay a long period in the blood.  
  4. If you want to have a massage that will detoxify and hydrates the skin, the cactus massage is the best choice. Based on the people who received this type of massage, cactus massage is more relaxing and does not hurt your skin. 
  5. Since the demand for massage therapy increases rapidly, experts invented a massage robot. It can mimic the massage techniques of a real therapist. 
  6. If you have massage therapy worth an hour, you will have 7-8 hours of sleep. If you feel like you need sleep, having a message is the best thing to do. 
  7. With the advancement of technology, a VR headset was invented. It transports the clients to a relaxing forest or tranquil beach while having a massage.  
  8. Julius Caesar uses the massage to help control his epileptic seizures. 

Additionally, giving ourselves a break from tiring work and a busy schedule is not a bad thing. We should learn to give ourselves time to relax and have a moment of relaxation. Well, massage therapy is the best option for you!