BNPL Hardship Notice — Ask to Pause, Extend or Reduce Repayments
Behind, or about to fall behind, on Afterpay, Zip, Humm or another Buy-Now-Pay-Later plan? For $29 we draft a clear financial hardship notice to your provider — built from your answers — that formally requests a variation (pause, extend or reduce your repayments) and asks them to hold further charges, late fees and any default listing while they consider it. You download it straight away and send it yourself.
What this document does
- For $29 we draft a clear financial hardship notice to your provider — built from your answers — that formally requests a variation (pause, extend or reduce your repayments) and asks them to hold further charges, late fees and any default listing while they consider it.
- You download it straight away and send it yourself.
- Records the facts that matter on paper: where things are at, bnpl provider, account / reference, amount owing.
- Calm and courteous: says what happened and what you would like, and invites a conversation. No legal threats.
- Delivered as a PDF you download the moment it is ready.
What we'll ask you
Plain-English questions, one at a time. No legal knowledge needed — if you don't know an answer exactly, your best estimate is fine.
- Having trouble keeping up with a Buy-Now-Pay-Later plan? You are not alone, and asking for help is the right move. In a sentence, where are things at — are you already behind, or about to fall behind?
- Which Buy-Now-Pay-Later provider is the plan with?
- What is your account, order or customer reference with them, if you have it? Leave this if you are not sure.optional
- Roughly how much is owing overall on this plan? A rough figure is fine.
- What is the repayment amount and how often is it due?
- What has caused the difficulty? Keep it brief — a short, plain reason is enough, and you can skip anything you would rather not put in writing. (For example: a job loss, reduced hours, illness, a family or domestic violence situation, or an unexpected bill.)optional
- What would help most right now?
- If you can manage a smaller amount while this is sorted out, what could you realistically pay, and how often? Leave this if you are not sure.optional
- What is your full name, as it appears on the account?
- What contact details should they use to reply — an email, and a phone number if you want to include one?
- You review it first · Nothing is sent to anyone else
- 2 free amendments included
- All Australian states and territories
- Stripe secured · 256-bit encrypted
From your answers to a finished BNPL Hardship Notice in three steps
Answer 10 quick questions
Who it’s about, what happened and what you want. Plain English, one question at a time.
We write it, calmly and clearly
Your BNPL Hardship Notice — Ask to Pause, Extend or Reduce Repayments is written from your answers in plain English, in the tone you choose, then formatted as a clean one-page PDF. Usually ready within about five minutes.
Review, confirm, receive
The draft lands in your dashboard for you to read. Change anything that isn't right (two free amendments), confirm it, and we email you the final PDF. Nothing is sent to anyone else.
Ready? Start now.
No card required until the end. No account needed to start.
Start My BNPL Hardship Notice — $29 →$29 flat fee · You review it first · unlimited edits
Everything about the BNPL Hardship Notice — Ask to Pause, Extend or Reduce Repayments
How much does the BNPL Hardship Notice cost?
A flat $29 AUD, including GST. There is no card required to start, no subscription and no hourly rate — you see the full summary of your answers before you pay.
How long does it take?
There are 10 questions, which take a few minutes to answer. After you pay, your draft is usually ready in about 5 minutes, and you can read it and request changes before you approve it.
When do I get the document?
The draft of your BNPL Hardship Notice — Ask to Pause, Extend or Reduce Repayments is usually ready in about 5 minutes. You read it on your dashboard and can change the wording; once you confirm it, the final PDF is available to download and emailed to you.
What if I need changes?
You read the full BNPL Hardship Notice on your dashboard first. You can change the wording or ask for a redraft, with unlimited edits and 2 redrafts included, then confirm it and the final PDF is yours to download and keep.
Does it work in my state?
Yes, anywhere in Australia. It is an everyday letter in plain Australian English, so it does not cite any law. It is dated in your own time zone.
Other everyday letters
Put it in writing today.
A few quick questions and your BNPL Hardship Notice — Ask to Pause, Extend or Reduce Repayments is ready in minutes. No card required until the end.
Start My BNPL Hardship Notice — $29 →