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In this tutorial, the host explains how to write a hardship letter for loan modification. A hardship letter is a personal letter to your lender detailing the circumstances that led to your mortgage payment difficulties. The tutorial outlines the writing process step by step. Begin by including your personal information: full name, home address (including street number, city, state, and zip code), and optional contact information (phone number or email). Next, write the date of the letter in a formal format, such as month, day, and year. The example used in the tutorial is December 2nd.