(your name, street

city, state, zip)




city, state, zip)

Dear _____ (name):

To tell you the truth, many of our customers prefer to make their purchases by
cash. This alleviates the anxiety of having to make late payment charges. I would
like to recommend this method to you because, as much as I have tried, I cannot
find a way to add you to our list of credit customers.

Our gathered information indicates that your payments this year have been getting
more and more behind. Of course, this may be a result of your having a particularly
bad year. But, we ethically cannot add to your outstanding debts. We, of course,
hope your condition improves.

We do appreciate your considering us as a supplier and would be pleased to do
business with you on a cash-with-your-order-basis. Our service and products
continue to be outstanding!