Going through a hardship letter sample before practically writing one has been emphasized enough times. This is all in the light of letting people know what to do and what not to do. The first thing you should never do is write a sappy letter that is too long. Do not go into every pitiful detail of your life. Since loan mitigation experts have rambles of these kinds of letters almost every day, giving them a long hardship letter that is filled with very minute sentimental expressions will not be given any of their time. Keeping your hardship letter concise and to the point will have the attention of the loan mitigators who are at times badly overwhelmed. Since whatever got you into financial problems is not your fault, explain it clearly and bring out the most crucial aspects of your hardship letter and you will be on your road to settling your issue.