Many of our clients are receiving these days a Hardship Affidavit that seems like it is causing a storm of confusion. The “Affidavit” pronounced by many as ‘affidavid’ is basically a formal hardship letter to the lender advising them what the reason is for the application for assistance. It is very important for many to understand that they have to not get involved with explaining the details as it is to be an overall summarization letter of the situation. In an item that seems to be so inconsequential it has the potential to make a huge difference and that is why it is important that homeowners seek assistance from professionals. When you go to court you can protect yourself and act as your own counsel but that doesn’t mean that we go out and represent ourselves in court.