[Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Debtor's Name] [Debtor's Address] [City, State, ZIP] Re: Opportunity to Pay Outstanding Debt Dear [Debtor's Name], We hope this letter finds you in good health and high spirits. We are reaching out to you in regard to the outstanding debt of [amount owed] that you owe to [Creditor's Name]. It has come to our attention that the debt has remained unpaid despite our previous notifications. Here at [Creditor's Name], we understand that life can present unexpected financial challenges, and we want to offer you an opportunity to settle this debt and reclaim your financial stability. We believe that everyone deserves a second chance to resolve their debts and move forward with a fresh start. To facilitate this process, we would like to propose a flexible repayment plan that suits your current financial circumstances. Our goal is to make the repayment process as manageable and stress-free as possible. We are ready to work with you in setting up a repayment plan that spreads the outstanding amount over a reasonable period and fits your budget. By taking this opportunity, you will not only demonstrate your commitment to honoring your financial obligations, but it will also help you avoid potential legal consequences or further damage to your credit score. Clearing this debt can pave the way for a brighter financial future. To discuss and finalize the repayment plan, please contact our office at [phone number] or email us at [email address]. Our dedicated team is available to answer any questions you may have and assist you in resolving this matter promptly. Please note that this offer is time-sensitive, as we would like to reach a resolution as soon as possible. We believe that through open communication and mutual cooperation, we can find a suitable arrangement for both parties. We genuinely hope that you will consider this opportunity to pay your outstanding debt and take the necessary steps towards financial freedom. Furthermore, we value your commitment to fulfilling your responsibilities and are confident that together we can find a resolution that benefits us both. Thank you for your attention to this matter. We look forward to hearing from you soon. Sincerely, [Your Name] [Your Title] [Company Name]