Creditor Notice of Overdue Account

[Date]

Creditor                                              *****SENT VIA CERTIFIED MAIL*****

City, State, Zip

RE:   NOTICE OF OVERDUE ACCOUNT

Dear [name]:

I am aware that my account (#) is overdue, but I have been unable to make payments in a timely manner due to the following circumstances: 

My financial difficulties are temporary. I can make a payment by [date]. I will be able to resume my regular payments as of [date].  During this modification period, I respectfully ask that you do not report my payments as late to the credit reporting repositories. 

I appreciate you working with me during this difficult time. Your cooperation and understanding is greatly appreciated.  

If you have any questions or need additional information, please contact me at the address listed below.

Sincerely,

Bruce Smith

Address

City, State, Zip