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In this tutorial, the speaker explains how to write a hardship letter for loan modification. A hardship letter is a personal correspondence to a lender detailing the circumstances that have led to missed mortgage payments. The tutorial outlines a step-by-step process for writing this letter. The first step is to include personal information, such as full name and home address, which should contain the street number, street name, city, state, and zip code. It's also advised to provide contact information like a phone number or email. Finally, the tutorial emphasizes the importance of including the date of the letter, following the formal structure of month, day, and year.