Many times during this past year, you were not prompt

December 13, 2011

SARA BROWN

81, North 54 Street,

Clewiston, Florida, 03247,

(328)-421 0569

[Subject: Normally bold, summarizes the intention of the letter] -Optional-

Dear SARA BROWN,

Many times during this past year, you were not prompt in making your minimum payments as required in our agreement. Charging penalties for such a small infraction is not an option for us. However, we do hope that you will consider our suggestion.

More often, our clients choose a payment plan that is not within their budget or later on, they would be experiencing a change in their financial situation. As such, we are inviting you to review the various kinds of financial arrangement and payment plans that we offer by visiting our customer service representatives.

We assure you that we are happy to be of service to you and we wish to discuss this matter with you.

Sincerely,

Wihtburth

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