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In this tutorial, the presenter explains how to write a hardship letter for loan modification. A hardship letter is a personal letter addressed to your lender, detailing the circumstances that have caused you to fall behind on your mortgage payments. The tutorial outlines the process step-by-step. First, you should include your personal information, such as your full name and home address, ensuring to include the street number, street name, city, state, and zip code. It's also recommended to add a contact number or email. Finally, remember to date your letter using the month, day, and year format, exemplified as December 2nd.