(your street city, state, zip) (date) (name street 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, (name) (title)