This is for your information that your account has been referred to me with instructions that I make final demand for payment of this debt.
In as much as the outstanding balance amount is sizable, I have outlined a payment plan for you as a method to retire the entire balance over the next (number) months if you are unable to forward the full amount at this time.
Amount Due $_
Payment $ Monthly
Due Date _
This offer is being made to you as our expression of wanting to settle your account in a friendly manner.
If we do not receive your first payment by the date indicated above, we will be forced to refer your account to a collection agency. We do not wish to take such harsh action which might impair your credit rating and thus request that you give to this matter your most immediate attention.
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