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what was your hardship in 2020 maybe you lost your job your business went down your hours at work were cut maybe a sickness separation divorce or unfortunately a death in the family all of those are reasons that you might want to list in your loan modification hardship letter its really important to understand that when you apply for a loan modification youre going to have to explain to the bank why it is that they should give you a loan modification im going to teach you how to write a good hardship letter what to avoid and how best to try to apply for loan modification so they can lower your payments and maybe help you keep your home hi my name is diego mendes im a loan modification bankruptcy and debt lawyer here in miami florida i was around in 2008 and i helped thousands and thousands of people with low modification foreclosure issues and bankruptcy issues throughout the years ive assisted people in writing thousands of hardship letters and applications for loan modification