Dear
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.
Fifth Overdue Payment Reminder Notice of Credit Hold
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Full and final payment letter