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Reference letters, hardship letters, and the letters nobody teaches you how to write. You answer questions about the person or situation. We turn your answers into a real letter, formatted and ready to print.
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Writing assistance tool · Not legal advice
Your letter
- close friends for ten years
- my car broke down — she drove 45 minutes
- stayed until the tow truck came
written into
Sarah and I have been close friends for ten years. When my car broke down last winter she drove forty-five minutes to get me, and stayed until the tow truck came.
That is the kind of thing she does without being asked, and I am glad to answer anything else you would like to know.
Balanced & Thorough
Choose Your Letter Type
Financial Relief
Credit Dispute
Dispute an inaccurate item on your credit report and ask the bureau or furnisher to investigate and correct it.
Learn moreDebt Validation
Send a debt collector a written request, under federal law, to verify the debt before they can keep collecting.
Learn moreGeneral Hardship
Draft a clear hardship letter to request relief — financial aid, mortgage forbearance, an academic appeal, leave, or rent reduction.
Learn moreGoodwill
Ask a creditor to remove a one-time late payment from your credit report as a goodwill adjustment.
Learn moreInsurance Appeal
Appeal a denied health, auto, or homeowners insurance claim with a clear, focused letter that addresses the denial reason head-on.
Learn moreMedical Debt
Write a hardship letter explaining your medical debt situation to creditors or hospitals.
Learn moreHousing & Tenant
HOA Notice
Draft a clean, neutral HOA board notice — violation, fine, assessment, meeting, or hearing decision — that the board reviews and sends.
Learn moreHOA Response
Write a professional response to an HOA violation notice that states your position clearly.
Learn moreLease Termination
Give your landlord written notice that you're ending your lease, or request an early release.
Learn moreRent Increase
Notify a tenant of a rent increase with a clear, professional notice that states the new amount and the effective date.
Learn moreRepair Request
Ask your landlord, in writing, to repair a specific issue at your rental unit within a reasonable timeframe.
Learn moreSecurity Deposit
Demand the return of your security deposit from a landlord who has missed the deadline or made unjustified deductions.
Learn moreReference & Character
Academic Recommendation
Write a strong academic recommendation letter for a student applying to college, graduate school, a scholarship, or a fellowship.
Learn moreCourt Reference
Help someone facing sentencing with a character reference letter for court.
Learn moreEmployment
Write a professional reference letter for employment or background checks.
Learn morePersonal Reference
Draft a personal reference letter that speaks to someone's character and reliability.
Learn moreWorkplace & Career
Employment Verification
Confirm an employee's title, dates, status, and salary in a clean letter on company letterhead.
Learn moreOffer Letter
Extend a job offer with a warm, professional offer letter that lays out the terms clearly and stays a letter, not a contract.
Learn moreResignation
Draft a professional resignation letter that leaves on good terms.
Learn moreSalary Negotiation
Counter a job offer or ask for a raise with a clear, confident salary negotiation letter.
Learn moreDisputes & Legal Action
Cease & Desist
Ask someone, in writing, to stop a specific behavior — unwanted contact, false statements, or misuse of your work — without legal threats.
Learn moreComplaint
Write a complaint letter to a business or organization that gets results.
Learn moreDemand Letter
Send a clear, businesslike demand letter for an unpaid invoice, a refund, return of your property, or completion of work you paid for.
Learn moreFormal Requests & Notices
Donation Request
Ask an individual donor, family fund, or business to contribute to a specific cause, project, or campaign with a clear, warm, businesslike letter.
Learn moreFOIA Request
Request public records from a federal or state government agency with a clear, properly scoped FOIA request letter.
Learn moreLetter of Intent
Express non-binding interest in a property, job, business, partnership, or program with a clear, professional letter that frames terms as proposed and leaves the contract for later.
Learn morePOA Notification
Notify a bank, insurer, or other institution that you hold a valid Power of Attorney for someone, and ask them to update their records.
Learn morePersonal & Emotional
Apology
Write a genuine apology letter when you don't know where to start.
Learn moreBoundary
Set a boundary with someone clearly, without blowing things up.
Learn moreFarewell
Say goodbye to someone when it matters too much to leave unsaid.
Learn moreThank You
Write the thank-you letter you've been meaning to send.
Learn moreHow It Works
Pick your favorite draft
We generate 4 different versions of your letter, each with a different tone. You pick the one that sounds most like you.
Edit, download & use
Make any edits you want, then download a print-ready PDF or Word document. It's your letter.
What People Are Saying
“I knew what I wanted to say about my brother but couldn't get the words right. The questionnaire helped me organize my thoughts, and the letter came out so much better than what I was trying to write on my own.”
Sarah M.
“My former coworker needed a reference letter urgently for a new job. I was able to answer the questions on my lunch break and had a professional letter ready to print in under 20 minutes.”
David K.
“I didn't know where to start with explaining my medical situation to the hospital's billing department. LetterLotus asked the right questions and helped me put it all into words clearly.”
Maria L.
“My friend needed a character reference for a volunteer application and I kept putting it off because I didn't know where to start. The questions helped me think of specific examples I wouldn't have remembered on my own.”
James R.
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Frequently Asked Questions
How much does a letter cost?
$39, one time. No subscription, no hidden fees. You get 4 drafts to choose from, PDF and Word downloads, inline editing, and unlimited re-downloads.
How does it work?
You answer a short questionnaire about the person or situation. We generate 4 drafts of your letter, each with a different tone and style. After purchase, you pick your favorite, make any edits you want, and download it as a PDF or Word document.
Can I edit the letter after it's generated?
Yes. After purchasing, you can edit the letter directly on the page before downloading. We encourage you to personalize it in your own voice.
Is this a law firm or legal service?
No. This is a writing tool that helps you organize your thoughts into a letter. It does not provide legal, financial, or medical advice.
What if I'm not satisfied?
We offer a 10-day money-back guarantee. If you're not happy with your letter, email us within 10 calendar days of purchase and we'll issue a full refund. See /refund for details.
Ready to Write Your Letter?
Answer a few questions. Get 4 drafts to choose from, each in a different style.
Writing assistance tool. Not a law firm. Not legal advice.