If you personally know the creditor you may want to follow up with a phone call – some landlords are retired and depend on your rent to make mortgage and property tax payments. If that is the case, if you are able, it will be best to come up with a temporary reduced payment plan.
……………………………….
Date
Subject: Request for leniency on rental payments
Dear ______,
I am writing to inform you that our business is suffering considerable financial difficulties including loss of revenue as a result of the COVID-19 pandemic and associated response. We are in the process of securing advice and help with our current financial difficulties.
We have worked to be a good tenant and will continue to do so, maintaining the cleanliness of your property and keeping you informed of any repairs that may be required. I am asking now for your patience and lenience as I work to recover from this financial difficulty.
You have my commitment that we will continue to make rent payments, and make up any missed payments, as soon as we are able.
For your part, if you are able to provide us some time to make payments, I would be most grateful. I look forward to hearing from you regarding your response to this letter and hope that COVID-19 is not causing you overwhelming hardships.
Sincerely,