[DATE, ex. Wednesday, June 11, 1998]

[NAME, COMPANY AND ADDRESS, ex.

John Smith

XYZ Inc.

1234 First Street

Suite 567

Anycity, Anystate  85245]

Dear [NAME, ex. John Smith],

We thank you for your business and hope to retain you as a valued customer.

Our records indicate that, as of [DATE, ex. June 11], we have not received payment for [STATE TYPE OF SERVICE, ex. accounting] services we rendered to you on [DATE, ex. May 11].  Please consult your records to verify that we have not made a mistake. If payment has already been sent, please disregard this note and accept our thanks.

Sincerely,

[YOUR NAME, ex. Jill Jones]

LATE PAYMENT, MODERATE TONE: LETTER #2 (REPEAT CUSTOMER)

[DATE, ex. Wednesday, June 11, 1998]

[NAME, COMPANY AND ADDRESS, ex.

John Smith

XYZ Inc.

1234 First Street

Suite 567

Anycity, Anystate  85245]

Dear [NAME, ex. John Smith],

It has been our pleasure to do business with you. Your history of prompt payment within the 30-day payment period has enabled us to continue to provide our [products / services] to you and others at reasonable and competitive prices. We wish to continue to service you on these mutually amicable terms.

A payment of $[AMOUNT] will protect your good credit rating and will enable us to update your account so that we may have the pleasure of future business with you. Please contact me if we can help you with any concerns you may have.

Sincerely,

[YOUR NAME, ex. Jill Jones]

LATE PAYMENT, FIRM TONE: LETTER #4 (PRODUCT)

[DATE, ex. Wednesday, June 11, 1998]

[NAME, COMPANY AND ADDRESS, ex.

John Smith

XYZ Inc.

1234 First Street

Suite 567

Anycity, Anystate  85245]

Dear [NAME, ex. John Smith],

As we have not received payment or heard from you within the past five business days, I have no alternative but to repossess the following items we sold to you on [DATE, ex. February 8, 1998]: [PRODUCT LIST, ex. one ElectroMag television and one Aqualite television stand].  This unfortunate measure is a result of $[AMOUNT] being unpaid for a period of over four months.

Our representatives will arrive at your [premises / home] on [DATE, ex. June 15, 1998] at [TIME, ex. 6:00 PM] to reclaim the items mentioned above.  Please contact us to arrange an alternative date and time if this is impossible.

If we do not hear from you and are unable to reclaim the items on that date, we will immediately initiate legal actions.  In such unfortunate case, all future correspondence will be made through our lawyers’ office, [LAW OFFICE, ex. Johnson, McKinney & Howell, Barristers and Solicitors].  We sincerely urge you to take actions to prevent a situation which will prove costly for both of us in terms of frustration and time.

Sincerely,

[YOUR NAME, ex. Jill Jones]

LATE PAYMENT, FIRM TONE: LETTER #3 (PRODUCT)

[DATE, ex. Wednesday, June 11, 1998]

[NAME, COMPANY AND ADDRESS, ex.

John Smith

XYZ Inc.

1234 First Street

Suite 567

Anycity, Anystate  85245]

Dear [NAME, ex. John Smith],

Unfortunately, we have not received payment or heard from you regarding your unpaid account balance of $[AMOUNT].  As three months have past since the due date, we are forced to take actions to repossess the products we sold to you on [DATE, ex. March 11, 1998], namely: [PRODUCT LIST, ex. one ElectroMag television and one Aqualite television stand].

If we do not receive payment or hear from you within the next five business days, we will contact you to arrange an appointment for repossession of the above item{s}.  We urge you to take every effort to avoid these proceedings as they will undoubtedly be mutually-disagreeable.

Sincerely,

[YOUR NAME, ex. Jill Jones]

LATE PAYMENT, MODERATE TONE: LETTER #1 (PRODUCT)

[DATE, ex. Wednesday, June 11, 1998]

[NAME, COMPANY AND ADDRESS, ex.

John Smith

XYZ Inc.

1234 First Street

Suite 567

Anycity, Anystate  85245]

Dear [NAME, ex. John Smith],

Thank you for your recent order.

Our records indicate that, as of [DATE, ex. June 11], we have not received payment for your purchase of [LIST PRODUCT(S) PURCHASED, ex. a dining room table] on [DATE, ex. May 11].  Please consult your records to verify that we have not made a mistake.  If payment has already been sent, disregard this note and accept our thanks.

Sincerely,

[YOUR NAME, ex. Jill Jones]

LATE PAYMENT, MODERATE TONE: LETTER #2 (NEW CUSTOMER)

[DATE, ex. Wednesday, June 11, 1998]

[NAME, COMPANY AND ADDRESS, ex.

John Smith

XYZ Inc.

1234 First Street

Suite 567

Anycity, Anystate  85245]

Dear [NAME, ex. John Smith],

It has been our pleasure to do business with you.  It is with your good credit history that we have provided you with credit terms on your purchase.  Payment within the 30-day payment period enables us to continue to provide our [products / services] to you and others at reasonable and competitive prices.  We wish to continue to service you on these mutually-amicable terms.

A payment of $[AMOUNT] will protect your good credit rating and will enable us to update your account so that we may have the pleasure of future business with you.  Please contact me if we can help you with any concerns you may have.

Sincerely,

[YOUR NAME, ex. Jill Jones]

LATE PAYMENT, FIRM TONE: LETTER #2

[DATE, ex. Wednesday, June 11, 1998]

[NAME, COMPANY AND ADDRESS, ex.

John Smith

XYZ Inc.

1234 First Street

Suite 567

Anycity, Anystate  85245]

Dear [NAME, ex. John Smith],

I am writing this letter to inform you that we have still not received your payment of $[AMOUNT], which was due on [DATE, ex. May 5, 1998].  Unfortunately, we are forced to impose a [X]% fee for late payment as per our credit policies.

To avoid additional charges, we encourage you to forward payment as soon as possible.  If this is not possible, please contact me so that we may discuss an alternative payment plan.

Sincerely,

[YOUR NAME, ex. Jill Jones]

LATE PAYMENT, FIRM TONE: LETTER #1

[DATE, ex. Wednesday, June 11, 1998]

[NAME, COMPANY AND ADDRESS, ex.

John Smith

XYZ Inc.

1234 First Street

Suite 567

Anycity, Anystate  85245]

Dear [NAME, ex. John Smith],

Our records indicate that your account is unpaid in the amount of $[AMOUNT].  As payment was due on [DATE, ex. June 5, 1998], we urge you to consult your records and forward payment as soon as possible.  If your records indicate otherwise, please inform us of the discrepancy so that we may update your account accordingly.

Sincerely,

[YOUR NAME, ex. Jill Jones]

LATE PAYMENT, MODERATE TONE: FINAL NOTICE

[DATE, ex. Wednesday, June 11, 1998]

[NAME, COMPANY AND ADDRESS, ex.

John Smith

XYZ Inc.

1234 First Street

Suite 567

Anycity, Anystate  85245]

Dear [NAME, ex. John Smith],

I am following the previous three letters we sent to you with this final letter, hoping that we will not be forced to forward your account to a collection agency.  Your account has been unpaid in the amount of $[AMOUNT] for over four months.

Reluctantly, if we do not receive payment within the next five business days, we are left with no alternative but to take actions which may permanently and adversely affect your good credit rating.  Indeed, it would be to both our benefits to resolve this matter immediately.

Again, we hope to receive your payment within the next five business days.

Sincerely,

[YOUR NAME, ex. Jill Jones]

LATE PAYMENT, MODERATE TONE: LETTER #3

[DATE, ex. Wednesday, June 11, 1998]

[NAME, COMPANY AND ADDRESS, ex.

John Smith

XYZ Inc.

1234 First Street

Suite 567

Anycity, Anystate  85245]

Dear [NAME, ex. John Smith],

Reluctantly, I am writing regarding an unfortunate situation–we have not received payment on your account for four months.  You are a reasonable person.  Surely, you can understand that we can no longer carry this debt.  Please contact me as soon as possible so that we may remedy this situation.  Perhaps we may discuss an alternative payment plan.

I am confident that we will resolve this problem promptly and on reciprocally agreeable terms.  I am looking forward to speaking with you.

Sincerely,

[YOUR NAME, ex. Jill Jones]