(your street city, state, zip) (date) (name street city, state, zip) Dear ____ (name): We are interested in our customers and are always trying to find new ways to improve our service. For these reasons, we are inquiring if there is a reason for your delay in paying your long overdue account. If we can help - by making your payments smaller or extending our terms or by recommending a loan company -- please let us know. We would appreciate a word from you -- as well as your check. Very truly yours, (name) (title)