Financial Hardship Request — $29
A few quick questions · $29 once · No card until the final step
Before you start: Financial Hardship Request
Can't keep up with a loan, credit card, energy bill or phone bill because your circumstances have changed? A clear, calm request for hardship help from your bank, lender, energy retailer or telco: what changed, your situation in numbers and what you can afford, using the words they act on.
- Answer plain questions about your situationAbout 5 minutes, one question at a time. No legal knowledge and no card needed.
- See how your document is set out, then pay $29 onceBy card through Stripe. The full document is drafted in about 5 minutes.
- Read it, change it, then approve itChange the wording yourself or ask for a redraft (unlimited edits, 2 redrafts included). Nothing is sent until you approve it.
You can stop at any point before paying, at no cost.
Private & 256-bit encrypted. We never sell your data, and the other party only ever sees your document after you approve it.
What's included
- Explains what has changed and how long you expect it to last, from your answers only.
- Sets out your income and essential costs plainly, if you choose to include them.
- Asks for the help you want, such as a pause, lower repayments or a payment plan, with what you can afford.
- Uses the words the business acts on: a hardship notice under the National Credit Code for a bank or lender, or their hardship or payment assistance policy for energy and telco.
- Calm and honest: no threats and no complaint. A friendly or formal tone, your choice.
- You read it first, then we email it for you or you download it and send it yourself.
What to have ready
- Who it goes to: their name, and their email if you want us to send it
- The key dates, and any amounts involved
- Any documents, emails or messages. Tell us in the chat what you have; the document can refer to them.
Common questions
How much does the Hardship Request cost?A flat $29 AUD, including GST. There is no card required to start, no subscription and no hourly rate. You see a summary of your answers before you pay.
How long does it take?There are 11 questions, which take a few minutes to answer. The letter is usually ready in about 5 minutes after payment, any time of day.
Is it sent automatically, or do I see it first?You see it first. The letter lands in your dashboard, and nothing is sent until you approve it. Then we email it for you, or you download it and send it yourself.
Finish now, or come back later
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