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Cover Letter

Financial Hardship Letter
P E R S O N – T O – B U S I N E S S L E T T E R S

Evelyn Angela XI-IA 9 / 14

Gabriella Christina Kandinata XI-IA 9 / 17
Jemimah Rumizah Diovanih XI-IA 9 / 18
Vanesa Adriana XI-IA 9 / 37
 A cover letter is generally the first point of contact with a prospective employer. It
needs to be engaging and show the employer that you have the skills to do the job.
 A good cover letter can help you get a job interview by convincing an employer
that you are what they are looking for and it willa lso demonstrate your written
communication skills.
 Your letter should:
- Include a brief introduction about yourself and state the purpose for writing
- Highlight relevant skills, qualifications and experience to be considered for a job
- Give real life examples (meeting minimum selection criteria)
- Target your letter to be specific about the role
- Inject your personal style into your writing to stand out above the competition.


Contact details (your details) Employer’s Details

 Name  Name
 Address  Job title
 Telephone  Company name
 Email address  Address

 DEAR Mr. / Mrs. / Ms. / Dr. ( CONTACT PERSON )

1. First paragraph
- State why you are writing by naming the specific position or type of job.
- Tell how you heard about the position/employer and why you are interested in it.
- Insert a brief sentence that gives your degree, major, university, and graduation date.

2. Second or Third paragraph

- Indicate how you can help the employer achieve organisational goals in your specialty.
Focus on what you can do for them rather than why you want the position.
- Highlight your most significant accomplishments, abilities, and experiences that are
specifically relevant to the employer and job requirements.
- Sell your credentials - your mission is to prove you should be invited to an interview. Make
reference to enclosures.
- Do not simply repeat your resume but point out important experiences and key assets -
show some of this to demonstrate to the employer your personal qualities which cannot
be indicated on a resume.
3. Fourth paragraph
- Take the initiative to make clear what happens next – you will be calling to arrange an
appointment, and/or ask for additional information
- State your availability. Let them know if/when you will be in the area
- Mention that you have an enclosed resume or sample work, if applicable
- Indicate that you will call to inquire about the possibility of an interview and/or the timing
or the selection process
- Restate contact information so the employer can contact you
- Thank the employer

 Closing (your name and signature)

 A financial hardship letter informs the lender why you’re in financial distress
and your ability to sort it out.
 People use hardship letters for many different reasons but the most
common reasons to use this type of hardship letter is requesting a short
sale or loan modification to avoid foreclosure.

- Keep It Short
Keep your letter short and to the point. Try not to exceed one page. A long, wandering letter will
water down the essence of your case and will lose the reader.

- Make It Personal
Make sure that you personalize your letter as much as possible by including details about you and
your family that will get the reader to identify with your situation as a fellow human being.

- Clearly State Problem

Early in your letter, summarize the specific situation that has prompted you to write the letter.
Provide more details in the later paragraphs.

- Give Enough Information

Your letter should provide enough detailed financial and related information so that the reader
can easily understand your situation. Attach clarifying documents as necessary including: cash
flow statements, bank statements, income tax statements, invoices, letters, etc.

- Make Your Request

In the subject-line and the first paragraph of your hardship letter, state exactly what you are
requesting. Reiterate this request in slightly different words at the conclusion of the letter.

- Be Humble and Thankful

To reach the point where you have to write a financial hardship letter means that you are in deep
financial trouble and this is basically your last resort. Don't get into any blame games or side issues.
Be respectful and thank the addressee in advance for considering your situation.
EX 1

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