Hello i just need help writing a formal 1 page letter to a hospital why i cannot afford a  19,448.16 bill. my insurance was cancelled without my knowledge excuse i was opt out of autopay. also i want some explanation that my wife lost her job due to  the pandemic staying home because kids can’t go to school. I have lost 50 percent of my work hours and i cannot afford a bill like this. just make it ore through with these main points.