21 Shining Ahead Street
Sin City, California 6908
Dated: 31st of January 2012
Subject: Collection of your outstanding payment
Respected Mr. Cotton,
This letter is in regards to the outstanding payment on your home loan account number 67890. There have been consecutive defaults for last two months and the amount required to be paid is $4000.
Your last due date was 3rd of January 2012. We have received no payment from your end for the month of December 2011 and January 2012. We tried to get in touch with you number of times over the contact number provided by you but there was no response. We have already reported your account to the credit reporting agency Trans Union. We may have no choice but to take legal action against you and blacklist your account.
If you want to stop us from taking legal action, we request you to make the payment by tomorrow.