As a former Collection Manager, I have read or heard hundreds of hardship letters. The biggest problem that people have with verbal hardship letters is that they might adlib a good verbal letter one day and a few days later they verbally say whatever in on their minds.

The problem with verbal hardship letters is that they can be emotionally charged. There is one simple solution to this problem. Write out a hardship letter, record it and listen to it. If it sounds right, then you can verbally give it to a bill collector. All bill collectors will not just accept verbal letters on face value.

Because of this, you will need what I call a crossover or bridge statement. Here is an example of a bridge statement. After hearing your letter, a collector might say something like: Who do you know that you can borrow money from? Some proper responses can be: I have explained this on page one of my letter, would you like me to go over it again? You can also say: Let me go over that again.

If you would like to know how to write an excellent hardship letter, get your copy of How To Write an Excellent Hardship Letter by going to the product section. If you need to talk with someone regarding your situation, feel free to call3 13-744-5977 or e-mail me at [email protected].