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In this tutorial, you will learn how to write a hardship letter for loan modification. This personal letter is addressed to your lender to explain the circumstances that have caused you to fall behind on mortgage payments. The first step is to include your personal information, which involves writing your full name and home address, including street number, city, state, and ZIP code. It is also advisable to add your contact information, such as a phone number or email address. Finally, remember to include the date of the letter, formatted as month, date, and year. The tutorial provides a step-by-step guide to assist you in crafting your letter.