456, X Street, Y Avenue,
[Subject: Normally bold, summarizes the intention of the letter] -Optional-
Dear Andrew Hall,
Thank you very much for choosing Westside Bank. Perhaps you have simply overlooked it, but your loan payments for the past two months have not yet been settled. We would therefore like to suggest that the loan be completely restructured to better suit your current circumstances. Please contact us at 434-3434 at the soonest possible time to avoid further penalties and to finalize the new payment scheme.