name street city, state, zip Dear ____ (insert name): We would like to persuade you to pay your delinquent account. Offering suggestions for extending the payment period, reducing monthly payments, assistance with lenders are ways to address this matter. At this time we have to seek help from outside our own company. We have consulted with our attorney and he told us that we have several avenues available to us for collecting our money. We would prefer avoiding going to court and, therefore, have decided to extend your credit for ___ (amount of time) -- ___ (number of days). To avoid legal action, we must have your check for ____ (amount of money) on or before ____, 20__ (date). Sincerely,