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.

Modern Wear
482 Holloway Road. • Islington, Greater London, United Kingdom

December 5, 2007

Sam Parker
768 Avenue Road.
Arthur Rd,London, SW19, UK

Dear Mr. Parker:

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

In the credit agreement you signed, you agreed to pay off your bill
in three payments. The first payment of $100 was due October 15,
2007, the second payment of $100 was due November 15, 2007, and
the final payment of $119.04 is due December 15, 2007. 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 600-555-7854. Perhaps we can arrange a more comfortable
payment plan.

Thank you for your immediate attention.



Angelica Baker
Credit Manager

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