(your name,
city, state, zip)


city, state, zip)


Dear ____ (name):

We cannot accept any further delay in paying your balance due. Your ignoring our
suggestions of working together to get your account current is having a negative
effect on your credit record. We must have a payment now. If you cannot send at
least a partial payment now, call us so that we can come to a workable agreement.

Yours sincerely,