Reducciones de pago
Para su conveniencia, debajo del texto en español le brindamos la versión completa de este formulario en inglés.
For your convenience, the complete English version of this form is attached below the Spanish version.
If your request gets a thumbs down, ask your creditor for alternatives, like payment plans or other assistance options.
Not directly! Asking for a payment reduction shouldn't affect your credit score, but it's always good to make sure you stay in touch with your creditor.
Typically, a temporary reduction can last anywhere from a month to six months, but it really depends on the creditor's policies.
You can mention reasons like job loss, medical expenses, or other unexpected costs that are making it hard for you to keep up.
Kick off your letter by clearly stating who you are, what your account number is, and that you're requesting a temporary reduction.
If you're facing tough times, like losing a job or unexpected expenses, this letter may help you manage your bills better.
It's a request you send to your creditor asking them to lower your monthly payments for a short period due to financial difficulties.
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Santa Ana California Carta al acreedor solicitando una reducción de pago temporal