His delinquent payments are notorious around the office

October 4, 2011


Rony Conrad

1902, X Street, Madison Avenue

Los Angeles, CA-90001

Los Angeles, CA-90001

(123) 456-7890

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

Dear Rony Conrad,

Mr. Finley’s account with us is in arrears and I cannot, in good conscience, recommend him as a good credit risk to anyone.

His delinquent payments are notorious around the office. He seems angry when we send him notification of a payment outstanding. Truly, he is most unpleasant to deal with.

I would say Mr. Finley is not a good credit risk. Of course, make your own assessments but I am sending you a confidential list of his delinquencies and additional fees for the past year.


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