In addition to collection letters, other debt-collection techniques are used; forexample, telephone calls to urge payment and personal visits to offices or homes in order tostress the necessity of paying past-due accounts. As the past-due period lengthens, eachcollection letter should be more insistent (=firm) and stern (=strict) than the previous letter andwith increasing degrees of urgency, demand prompt payment of the account. The finalcollection letters will state that the customer’s past-due account will be referred to an attorneyor professional debt-collection agency for forced collection (which will harm the customer’screditworthiness in the future); and, finally legal action, although this is a last resort. If acustomer responds to a collection letter and offers a valid reason for delaying payment orpromises partial payment of the outstanding balance, the mailing of other collection lettersshould be stopped. Since collection letters are often written as a series, we have divided thefollowing model letters into four series
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