YOUR ADDRESS (date) (name street city, county post code) REFERENCE: Dear ____ (name): We cannot accept any further delay in paying your overdue balance. 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 faithfully, (name) (title)