Headings with addresses: John Kerrigan 255 11th Ave. Dusty Plain, Illinois 01010 March 20th, 2018 Westline Credit 3552 Cumber Way Sunset City, NY 10101 Salutation: Dear Westline Credit: First paragraph - outline your hardship and how it has affected you: I am writing to request temporary reprieve from the interest applied to my current credit card. Last week I was involved in a work-related accident and for 3 months I will be largely immobile due to a compression fracture of two vertebrae (see enclosed medical form). The diagnosis is hopeful that after 3 months of limited movement and physiotherapy, I will be able to return to work for Johnson Construction Ltd. Clarify the specific steps you are making to address the hardship: When I spoke with the doctor, she recommended 6 weeks in a clamshell back brace, which I am now wearing 24 hours a day; following removal of the brace, I will enlist in a rigorous physiotherapy regimen to regain muscle strength to support the damaged vertebrae. My family is taking care of my daily needs at this time, but financially I do not have the resources to pay for my credit interest. I have cut down my expenses as much as possible, but still require some additional assistance due to credit debt. Make a clear request, followed by proof of your financial need: My hope is that for the next 3 months, Westline Credit will suspend interest payments; I am able to meet the bare minimum, but am heavily restricted due to my inability to work. Please see enclosed documents detailing my reduced income and breakdown of monthly expenses. End with assurances of commitment and gratefulness: Once again, I am committed to returning to full employability, and to payment of credit interest after 3 months. I would be extremely thankful for an offer of reprieve for this brief period. Closing Respectfully, John Kerrigan