[Your letterhead, if desired; if not, your return address]
[Date of letter-month, day, and year]
[Recipient's first and last names]
[Street or P.O. box address]
[City, State ZIP code]
Dear [recipient's name]:
We are writing to request immediate payment on the amount owed of $766.42, which is more than 180 days past due. This total includes all interest, late fees, and other charges. This amount was originally owed to Acme Financing, Inc., and our company is now handling this account.
Please call (215) 555-1212 immediately to make your payment. If you need to set up a payment plan, inquire about that when you call.
Thank you for your prompt attention to this important matter.
[Sender's first and last names]