Free letter builder

Ask for a hardship arrangement

Explain that you cannot manage payments and ask to discuss assistance. Read the step-by-step guide first if you are unsure.

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01 Start with the basicsHave you received court documents about this claim?

Your name

Your postal address (optional)Only include contact details you want in your letter.

Letter date

02 Identify the claim

Collector or creditor nameUse the organisation’s verified name.

Account or collector reference

Original creditor (optional)

Amount claimed in AUD (optional)

Date of letter or call (optional)

03 Make the request yoursWhat has changed?How long might this last?What would you like to discuss?

Anything else to explain (optional)A brief explanation is enough. Avoid detailed medical or other sensitive records.

Before you send

Read your complete draft ↓

Check the recipient independently and read every line.
Keep a copy and a record of when and how you sent it.
Attach relevant copies yourself. The builder does not attach files.
If the claim is old, get advice before paying or admitting it.

I have read the preview and checked the details are accurate.

Your draftUpdates as you type

Request to discuss financial hardship assistance

[Your name]

[Date]

To: [Collector name]

Reference: [Reference number]

Request to discuss financial hardship assistance

Dear Sir or Madam,

I am writing about your contact.

I am experiencing financial difficulty following a reduction in income. I expect this change to be temporary.

I would like to discuss a temporary pause in payments. Please tell me what assistance is available and what information you need to consider this request.

Please explain how any proposed arrangement would affect interest, fees and future payments, and confirm the agreed terms in writing before it starts.

Please respond in writing.

Yours faithfully,

[Your name]

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This is general information to help you write your own letter. It isn't legal or financial advice and doesn't consider your situation. For free, confidential help, call the National Debt Helpline on 1800 007 007.

Check every detail before sending. This is general information, not individual advice.

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Sources you can check

Disputing a debt ↗ACCC · Checked 26 September 2026
Financial hardship ↗ASIC Moneysmart · Checked 26 September 2026

Before you send

Sources you can check

You don’t have to work through this alone.

You don’t have to work
through this alone.