Dear :

Do we have to remind you once more that your payment is now days beyond our -day terms? You ought to be aware that any further delay of your payment will damage your credit rate. It's time to act immediately if you wish to keep your account open.

As we have told you more than once, we are willing to do what we can to help you. Please call us now to discuss ways that we can work together to keep your account open. We hope you won't fail us this time.

We look forward to your prompt payment or, at least, an explanation.

Sincerely yours,

[name]

[title]