A medical hardship letter is used by a person to request partial or full forgiveness of their medical debt from a hospital or healthcare provider. The person seeking leniency should be able to demonstrate serious financial hardship that convinces the hospital that they are unable to pay their debts. As of July 2022, medical debt is legally prohibited from being included in a credit report.

Rob Schneider
123 Chicken Rd.
New York, NY 10021

Nov. 2, 2022

Mary Jane Smith
St. Jude Medical Center
111 Medical St.
New York, NY 10011

Dear Ms. Smith,

My name is Rob. Last year, I received treatment at your hospital after a car accident that severely injured my spine and neck. I am writing this letter to request a settlement of my remaining balance due to the financial hardship that I am currently facing.

While receiving care at your hospital, I incurred expenses totaling $15,000. Without any insurance, I was left to cover the whole bill. Due to my injury, I have not been able to return to my full-time job as a restaurant server and sustain a regular income. With my parents’ help, I have been able to make the $400 monthly payments on my medical bill. However, my parents are no longer able to support me due to a medical emergency my father is currently experiencing.

I am currently enrolled in school to pursue a new career that’s more accommodating for my new physical limitations. I am paying for tuition out of pocket and doing my best to keep up with rent, bills, and other living expenses while helping to take care of my father.

The remaining balance on my medical bill is currently at $10,200. I recently sold my car with the intention of clearing this debt but only received $7,000 in the final sale. It would be extremely helpful for me to clear this debt so that I can focus on school and take care of my parents. Would you be willing to accept $7,000 in lump sum and consider my debt fully paid off given my extenuating circumstances?

Please find attached a copy of my medical bill, my father’s medical bill, my bank statements, tuition bill, and vehicle bill of sale. Thank you so much for your consideration during this difficult time. You can reach me anytime via phone or email.

I am looking forward to working with you and your hospital to work out a solution.


Rob Schneider


Leave a comment

Your email address will not be published. Required fields are marked *