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This letter reminds the reader that the bill is overdue and the payment still hasn't been received. Be careful to focus on observable behaviors and to avoid assumptions. Saying"we have not received payment" is an observable behavior. Saying "You have not sent payment" is an assumption. Stay positive.

Western Wear
2212 Boot Hill Rd. Cheyenne, WY 82001

August 5, 1999

Ted Wilson
515 Ramey Ct.
Laramie, Wy 820063

Dear Mr. Wilson,

We have not yet received your payments. This is to remind you that both both your first and second payments of $100 are now overdue. This is $200 plus the balance of $119.04 on August 15.

In the credit agreement you signed, you agreed to pay off your bill in three payment. The first payments of $100 was due June 15, 1999, the second of $100 on July 15, 1999 and the final payment of $119.04 on August 15, 1999. Please send the full amount in 10 days.

Failure to pay on time will affect your ability to charge merchandise at our store. If you want to discuss your account, call me at 800-555-9875. Perhaps we can arrange a more comfortable payment plan.

Thank you for your immediate attention.


Mary West
Credit Manager