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In this video tutorial, viewers learn how to write a hardship letter for loan modification. A hardship letter is a personal document directed to a lender, detailing the specific circumstances that have led to missed mortgage payments. The tutorial provides a step-by-step guide, starting with the inclusion of personal information: full name, home address (including street number, city, state, and zip code), and optional contact details like a phone number or email. Next, the date of the letter should be formatted as month, day, and year. The tutorial emphasizes clarity and organization in the letter’s structure.