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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 letter to the lender, detailing the circumstances that led to missed mortgage payments. The tutorial outlines the step-by-step process for writing this letter. It instructs viewers to start with their personal information, including full name, home address (with number, street name, city, state, and zip code), and optional contact details like phone number or email. The next step is to include the date of the letter, following the formal format of month, day, and year. This sets the foundation for effectively communicating the hardship to the lender.