Things to Avoid When Writing a Hardship Letter

In a situation that you will need to sell your home to save yourself and your financial stability, writing a hardship letter is your chance to survive. The letter explains or describes the reason for selling the property and why it came to the point of concern.

The letter must contain facts related to the plead in order for a greater chance of agreement or grant. In this case or situation, the bank does not really need to be lenient with the owner’s need for the property since there are too much losses involved. Thus, as the owner of the property, it is vital to reflect on the reason why a hardship letter is necessary and if the hardship mentioned in the letter is valid to be called as a hardship.

In the letter, point out the circumstance you are in and the commitment for a possible agreement on when a payment can be made. Other terms like how to maintain being current with the monthly payment will be handled can also be included.

When writing a hardship letter, hardships like the following should be considered to help you weigh if your situation is valid.

-Problems with Employment

-Reduction in monthly income

-Just got into a new job or get transferred to a new job or job location

-Got separated or divorced

-Emergency related to injury or illness

-Transfer of work whether voluntary or not

-Difficulty relating to marital issues

-A loved one’s passing

-Service on military duties

-Increase in expenses

-Natural catastrophes

-Big maintenance or repair of the property

The mortgage lender or the bank does not really empathize much on the owner of the property however since there is more loss in a foreclosure process, short salesperson often preferred by lenders.

Make sure that in writing your hardship letter, these mistakes are avoided.

1. Never treat the hardship letter as an outlet for bargain, politically inclined comments or worse, a way to let out anger.

2. Do not put the blame on the bank.

3. Do not talk about familial feud including loan needs of close family ties. If y push through this type of reasoning, know that your claim will push the bank or mortgage lender to investigate your claim. If your claim has not been proven true, you will have a bigger problem.

4. Never promise an unlikely outcome. Set realistic goals and b transparent with your goals and future actions in order to provide a solution for the matter. The bank or mortgage lender will certainly expect for hints to turn out as you promise and not fulfilling those will definitely tarnish your credit record. This might be the time you refrain from being too positive.

5. Do not lean on two spectrums; black and white. Expect changes in your finances and situation but never expect anything or promise any scenario that is false.

To make sure you have help in a conflicting situation such as thighs, connect with

Massage Therapy: Facts About Benefits and Types 

A famous philosopher Hippocrates describes massage therapy as the art of rubbing. It is well-known in Europe and widely-used. Massage therapy spreads the world, particularly in the United States, because of the physicians studied in Sweden.  


Surveys show that as time passes, the number of people who received massage therapy increases rapidly. Massage therapy does not serve adults only but also including children of all ages. Most people need massage therapy for the same reasons. Usually, they need this therapy because of their muscle pains, sports injuries, stress, depression, anxiety, and well-being.

Furthermore, massage therapy involves techniques. They are pressing, rubbing, and manipulate the muscles and tissues. As we have observed, massage therapists use their fingers, elbows, hands, palms, forearms to perform the massage.  

Because of the vast number of people who want to receive massage therapy, many companies are widening their services. They are providing and administering many types of massage therapy that conform and gratify the needs of the clients. One of the most preeminent types of massage therapy nowadays is a deep massage and you can have the best version of it from deep tissues massage Visalia CA. The company is renownedmassage therapy industry and one of the companies that have a fast-growing community. 


Before going to a massage therapist and schedule for a massage, the first thing you should do is to determine what time of massage you are availing. Do you have any idea about the types of massage? If none, then worry no more since we will provide it for you. 



From the name itself, aromatic massage involves essential and vibrant oil in your massage journey. The crucial purpose of this massage is to integrate natural oil in the techniques for effective relaxation. 



Deep tissue massage helps people with serious pains in the muscles, injuries, muscle tensions, and many more. Before availing of deep tissue massage, ensure to tell the therapist about your situation. There are specific scenarios that disallow a person to have a deep massage. 



The hot stone massage is not as harmful as you think. If you are worrying that the hot stone might burn your skin, then worry no more. A skilled and licensed massage therapist controls the temperature of the stone. The hots stones are placed on areas where pains occur. 



Swedish massage is beneficial to beginners. It involves light pressure that will relax and calm your muscles. This type of massage is perfect for a good sleep and in boosting your immune system. 



This type of massage is best suitable for athletes who are in drastic training. It helps them to have more flexible joints and muscles. It also prevents injuries.  


Furthermore, receiving a massage once in a while is one way of rewarding yourself for your hard work. It is also one way of regaining the energy that you have lost in your work and home. Pamper yourself with the best massage therapist in town, call our company right away! 


Top Benefits of Owning a Portable Shed

If you are one of the people out here that is blessed to have purchased a bigger space in their yard then you are indeed one of the lucky ones since not everyone can afford a bigger piece of land or not everyone is given the chance to have this type of opportunity. With this, you should use that piece of land properly. You should not leave it hanging and just let time decide what to do with it because if you are not going to use it, you are also not utilizing something you have paid for with a big sum of money. We advise you to definitely make use of your space at home especially the ones that are outside of your home but are considered to be a part of your yard because it can go to waste.

Wasting the potential of a perfectly nice piece of land is not good. Your job as the home owner is to explore the things that you can do to your home or property in order to improve it. Everyday should always be another chance to improve what you currently have. If you are still confused on what to do with your piece of land outside of your home, then you should take our advice and place a shed in it. Sheds for sale are all over your area, thus, it would not be difficult for you to find one. You will be surprised on how much benefit you could reap from having one in your yard.

Here are the top benefits for you if you are going to put a shed in your own backyard:


Have you ever wanted to get rid some of the things outside your home because you are still not using them like seasonal decors and other stuff that you do not use on an everyday basis but your problem is that you do not have anywhere to put it but in your home? If that has been your problem for a long time now, buying a shed would be a perfect solution for that problem because a shed is a place where you can store different things. In this way, you can clear your home and your home would definitely feel spacious and free than it did before.


Having kids is not really that easy. It makes everything hard to do because they are around. Even just vacuuming the home would be difficult if you have more than one child running around your home. But, if you have a shed in your yard, you could just send your kids there and provide them a safe space with their preferred toys while you do whatever you want to do without any obstructions. It will be a safe, new and interesting space for them.


When the moment arrives that you would want to sell your home, you can sell it for a higher price or value if you have a shed because not all homes have this and almost all buyers are interested to have a shed in the home.

A shed will definitely be great addition to your home and you should not think twice about this anymore.