Address Dear Sir / Madam, We write regarding your unpaid obligation to ________________ which you have incurred on ________ by purchasing ___________ in the amount of Php _____________. The current balance of your obligation is Php ___________. As you can see by the enclosed copy of the promissory note, you are now past due in making payment, thus we make this demand upon you for full payment of the following amount: Principal Balance: _______________ If payment is not made by _______________, legal action to enforce your obligation may be taken. We trust that you shall give this matter your utmost concern and serious consideration. You may contact our office if you have any questions or need additional information.