There are many different hardships a person or a family may experience that qualify for a hardship.
Many lenders only list the most common financial hardships in order to simplify the process. The reason lenders started providing the list is because so many consumers complained they didn’t know how to write a
hardship letter taking up a lot of time of the customer service representatives.   So when someone says a
lender only recognizes certain hardships just remember they either are confused or they learned this from someone else who is confused and or they profess themselves to be an expert on the subject when they are not. There are more than 64 hardships in the hardship letter writer wizard program so you don't forget what you need to put in your letter.

Below is a list of real hardships experienced by real homeowners and people found in the hardship letter examples provided:

Medical Bills	ARM Payment Increase	Job Relocation Transfer
Insurance Cost Increase	College Tuition	Accident (Car, Work)
High Debt/Excessive Obligations	Homeowner’s Insurance High	Supporting Adult Children
Illness of Family Member	Disability/Illness	Supporting Grandchildren
Property Damage/Repairs Needed	Moving Costs	Children College Expenses
Increase in Child Support Payments	Lost Job/Unemployment	Death of Spouse
Reduced Income	Inability to Rent Property	Caring for Elderly Parent
Travel Costs / Gas Price Increase	HOA Fee Increase	Property Value Decrease
Tenants Did Not Pay	Inability to Sell Property	Not Receiving Child Support
Cant Afford Property Taxes	Divorced	Many More

After reviewing thousands of hardship letters and seeing what hardship letters gets results and which ones get denials, there are 16 commonly made mistakes. In the Sample Hardship Letter E-Book we provide you the list and explain how to avoid these mistakes. One of the biggest mistakes made is people like to try and explain how important their credit is to them and that they never have been late. A couple of years ago this was ok to do, however, in today’s market where lenders are focusing on getting you to pay upfront cash requirements and or promissory notes, this is the wrong thing to say. There are ways to explain this in the right situations, but for most letters you should try and avoid. Basically, the lender knows how important this issue is to you and so they are going to ask for more money because they know you will figure out a way to pay it. In debt collection companies, it is one of the ways debt collectors are trained to get money out of you which is to remind you about how it affects your credit. If the debt collectors believe this is real important to you they will hold out for more money. If they don’t think it is very important, you might get better settlements. There are 15 other pearls of wisdom that will help you write a hardship letter effectively without giving up leverage. Remember, your hardship letter is nothing more than a negotiating tool!