Austin Parker
123, X Street, Y Avenue
Manhattan, NY-10009
Cell:-(123) 456-7890
[Subject: Normally bold, summarizes the intention of the letter] -Optional-
Dear [Recipients Name],
As you are probably aware, your account balance is past the due date with the amount of $678. you should know that an unpaid accrued balance will not have a favorable effect on your credit history.
Your lack of response points towards the possibility of an unstable financial position. If you can contact me at 111-11111, we may be able to devise an alternative payment schedule that goes in line with your situation.
Sincerely,
Eako smith