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My Hardship Letter eBook is the
most effective hardship letter guide in today’s market. It is the #1 Hardship Letter EBook
on the internet. You simply will not find a more informative and helpful guide which will help you achieve successful negotiations. You don’t need to try and figure out how to word your hardship responses, because we have already done that for you with verbiage that has been time tested with thousands of hardship letters. This is not a personal letter you are writing. It is a business letter that better sell the lender’s negotiator. If you have been in the business of selling lenders to accept lower settlements for the past 5 years, then you don’t need this book. If achieving lower and
better settlements is not a concern then you don’t need this eBook. IF YOU WANT TO WRITE THE MOST EFFECTIVE HARDSHIP LETTER THAT WILL GIVE YOU THE BEST SETTLEMENTS, THEN
BUY THIS EBOOK NOW!
We back this with a guarantee that if you find a more informative eBook anywhere and provide it to us, we will give you a
full money back guarantee with no questions asked. We are recommended now by some of the top short sale negotiation companies in America. Trust the eBook that is trusted by the people who are most knowledgable of what today’s market needs are for hardship letters and successful negotiations.
This eBook will provide you a
Four Step Solution to getting your hardship letter completed today while making sure you correctly word your hardship responses.
- Step 1: Review quickstart worksheet and circle all of the hardships that apply from 29 hardships. (2 min)
- Step 2: Review the Legal/Foreclosure Data Form and check off and complete the additional items that you will send to your negotiator or accountant. (2 min)
- Step 3: Use Guidance form to prepare your letter in the right format and find the hardship responses you need to put in the body of your letter. (30 min- 3hrs)
- Step 4: Send your Letter of Hardship along with your Companion letter to your negotiator and or lender for submission to the file!
INTRODUCTION AND INSTRUCTION OVERVIEW:
This one page overview explains the steps you need to take in order to organize your information when writing hardship letters.
The overview also explains and provides why you shouldn’t fabricate any information for sympathy due to new foreclosure fraud laws which could subject you to penalties including prison time.
It provides helpful information on what types of purchases you should avoid paying via check
, credit/debit cards during this financial hardship crisis and why.
It explains the various products and services lenders consider
luxury items that could result in you paying high deficiency balances or large promissory notes.
We have the secret luxury list some of the lenders have trained their agents to look for in your financial records.
The overview explains why you might want to consider
switching banks if you are using the same bank as your foreclosing lender.
HARDSHIP LETTER SAMPLE QUICKSTART WORKSHEET:
This worksheet allows you to quickly get started by circling all the difficulties you are facing, have faced and or will face during your financial crisis.
The worksheet provides for
29 HARDSHIP CATEGORIES which could apply to you.
This will allow you to identify most of what will go in your letter of hardship template.
There is a similar and more expanded version in the Wizard Writer which has 64 Hardship Categories.
Writing a mortgage hardship letter or any other creditor letter with the Wizard Writer can take as little as 10 minutes to complete due to it is an automated and or computer generated process.
LEGAL/FORECLOSURE STATUS DATA FORM (EXCLUSIVE FROM FRG):
This form is a more comprehensive form relating to other possible hardship situations you might not have thought about related to your
marriage, business, custody suits, car repossessions, Chinese drywall and more.
This form is used by your
negotiator to create a debt collection risk profile for you to help the lender understand they might not be able to collect a deficiency balance or secure a promissory note contract from you.
This information also is used to help create and write your
companion hardship letter which your
ACCOUNTANT and or negotiator should be sending on your behalf if you truly want the lowest and or best settlements.
HARDSHIP LETTER GUIDANCE (FOR ILLUSTRATIVE PURPOSES ONLY):
This form is the next form you will use to start actually organizing your sentences of what to say in the body of your sample hardship letters.
Each of the example hardships listed in the Quickstart worksheet have been formulated in sentences in this form so you can see how and what needs to be communicated to the lender.
The form provides
sample verbiage responses you should use based upon the hardships you checked off on the quickstart worksheet.
You get 29 sample hardship responses you should use and or consider using in your letter.
Basically, you go down your list on the worksheet and find the hardship section in the hardship letter guidance form.
You then write that section into your letter.
This form also shows you how and where to create and organize each section for the sample letter of hardship.
It explains exactly what most lenders require in the headings.
The form also provides the exact paragraph structure you should use to get the best results.
This paragraph structure has been time tested with thousands of letters and it does truly make a difference.
If you purchase the Wizard Writer program, then all of this section will be automated.
If you properly checked off your hardships, the wizard will create your sample letters of Hardship automatically in approximately 10 minutes or less saving you 3-5 hours of time.
NEW ROLE OF THE HARDSHIP LETTER IN DETERMINING A HOMEOWNER’S DEFICIENCY BALANCE:
This 5 page report goes into detail of how your sample letter of financial hardship may prevent you from having to pay
high deficiencies and or prevent your short sale from being declined to participate in the new Government Sponsored HAFA programs.
The report is the most comprehensive report about the importance of a short sale hardship letter and mortgage hardship letter in regards to short sales and loan modifications.
The report also explains how the Hardship mortgage letter can help your
BPO/Appraisal come in at or under market value allowing you to complete a short sale.
The report also goes into detail about:
- How Fabricating information can get you put in jail!
- When you should not handwrite your Hardships Letter!
- When it is appropriate to handwrite your hardship letters!
- What to disclose in a hardship letter!
- What not to disclose in a letter!
- Why getting
nails done weekly caused one client to pay an extra $7,000.00 deficiency balance!
- Why the copy of a hardship letter may be the
most important deciding factor to get HAFA approval, not pay deficiencies and get $3,000.00 relocation allowances!
- When you
shouldn’t sign up for HAFA!
- Why homeowners have a hard time writing a financial hardship letter accurately!
- Why a hardship letter package needs to be separated from the seller forms package!
- Avoid disclosing verbiage that can damage your situation!
HARDSHIP LETTER SAMPLES FROM REAL PEOPLE:
There are 8 different example hardship letters from
real homeowners experiencing life hardships like foreclosure,
short sales, excessive debt obligations, health problems, unemployment and much more.
See how letters are formatted.
Review each sample hardship letter to see how real people expressed themselves describing their problems they faced.
See how other people expand on their hardships.
See what is being asked of the lender.
Some of the examples of hardship letters were used to waive
deficiency balances as much as $150,000.00.
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