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     < Back to cover letter instructions

Sample Cover Letter to Creditors for Budget Packet

CAUTION: Do not write your cover letter without reading How to Write a Cover Letter to Creditors for Your Budget Packet

DISCLAIMER: This is a SAMPLE ONLY and does not take into consideration legal and financial issues that affect your particular case.  We urge you to consult with (not necessarily retain) a Debt / Bankruptcy Attorney prior to presenting your case to your creditor(s).  See How to Choose an Attorney

Anne Misslady

123 Main Street

New Stratford-on-Avon, MA 12345

Phone: 555-234-5678



Monday, June 12, 2008


Ref: Debt to Citibank

Amt: $4,567.00

Acct: 02345-4567


Attachments: Budget, copies of bills and statements


Attn: Collection Department


To Whom it May Concern:


I am currently unemployed due to a lay-off and have been unable to find work to date.


I have registered with local Temp companies and have filled out employment applications at several stores around town, namely Wal-Mart, Rite Aid, Courtesy Inn, and Tom's Bookstore.


I have registered for unemployment but that may take a while to arrive.


My checking account was swept and therefore I no longer have the money to pay for this month's Citibank mortgage payment.


I have loan balances in the following amounts:


Mortgage: $30,987.50


Car: $8,246.35


Citibank Visa: $350.22


Discover: $50.10


Student Loan: $5,735.00


Should I find a job that pays at or near my previous income, I can afford to send you $50.00 per month.


Please communicate with me by standard post only.




Anne Hathaway





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