XX/XX/XXXX To whom it may concern, It has been difficult the last three years attempting to pay our mortgage on time. Our daughter XXXX, was admitted to XXXX care at the University of XXXX 4 years ago for an XXXX. As a result of daily medical care for over 4 months we incurred a large amount of medical debt. This forced me to seek employment in another location in North Carolina. I accepted a position at XXXX in XX/XX/XXXX. 
My family stayed behind to attempt to sell our house. In short we could not find a buyer. This area has experienced a significant drop in house values and ours was no exception. Eventually financially we could not maintain our credit while paying expenses for my life in XXXX NC and my families ' life in XXXX NC. We began to have to use credit to get buy and our thin financial health became worse. 
The shuffling of bills began but we hung in and continued to pay our mortgage on time as we took pride in hanging in there. Eventually all the appliances failed in the house and we had to replace the built in microwave, washer, dryer, and refrigerator. In addition, the heat pump down stairs needed to be replaced along with the downstairs windows due to rot around the frames. 
Currently the heat pump upstairs is broken and needs to be replaced. Both garage doors are broken. The carpets were so worn and decomposed ( carpet pad ) that we had to pull them up to reduce the XXXX. However, we could not afford to replace them with new carpet or hardwood flooring ( currently there are no floor coverings in the house, just exposed sub-floor ). In addition, the siding is XXXX ( hardi-plank I believe ). This surface is little more than cardboard. It has broken in several places on the outside of the house and all of the siding needs to be replaced. The dormers upstairs are rotted and need to be fully replaced. When we made a repair two years ago on the siding on the garage door - when the repairmen took the siding off we had to fully replace the XXXX 's on the garage frame due to dry rot. 
We can no longer afford to not only pay the mortgage and second mortgage but we can not afford to repair the house to make it livable for us. 
Our daughter had another XXXX set back in XX/XX/XXXX and we could not afford to get her the help she needed at the XXXX program due to the distance. She also had XXXX for another health issue in XX/XX/XXXX and in early XX/XX/XXXX she was diagnosed with XXXX. I can provide proof of each of these medical claims if need be. We continue to receive updated bills from XXXX and XXXX and over a {$300.00} balance is now in collection. 

My wife currently works 5 days a week at a XXXX and I work during the day. It is a stressful situation to say the least. We are disappointed we have not been able to handle our financial obligations. It is extremely stressful situation and has been for several years. We have been working off a budget since XX/XX/XXXX. While we have cut expenses - with the health issues, mortgages and rent, and numerous expensive repairs that need to be made on the house we can no longer maintain either of our mortgages. We are asking for consideration from you for our financial circumstances. 
If you have any questions, please email me at XXXX Thanks for your consideration.