State of Alabama Unified Judicial System Form C-10 Page 1 of 2 Rev 2025

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In the sentence, the person writing the statement must state that he or she is stating that the information is accurate. (Example: I, Jane Doe, solemnly swear that the contents of this document are true and correct, and that I agree to abide by the terms in this affidavit.)
As a Federal Employee my income has been reduced by 20% per pay period. I am now experiencing financial hardship due reduced income. Because my income has dropped considerably I can no longer afford the terms of the original loan.
Substantial hardship means any condition which would cause gross monthly household income to be below the Federal Poverty Level.
Lenders may ask you for evidence of your hardship, like a doctors certificate or termination notice. Lenders may also ask for bank statements and evidence of income.
What to include in a hardship letter The date, your name, address and phone number. The lender/servicer and loan number. The date or approximate time frame when the hardship started. The expected timeframe of hardship short term (six months or less) or long term. Describe your goal. State the facts, not emotions.
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I am having difficulty making my monthly payment because of financial difficulties created by (check all that apply): My household income has been reduced. For example: unemployment, underemployment, reduced pay or hours, decline in business earnings, death, disability or divorce of a borrower or co-borrower.
Circuit 2 in Alabama consists of Butler, Crenshaw and Lowndes counties.

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