| Sample 23:  |   | Negative Announcement |
|   |   | BANK OF THE AMERICAS 
5 Timber Lane     ·     Woodbridge, CT 06525 Voice:   203-555-3212     ·     Fax: 203-555-3210   |
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|   |   |   December 20, 20xx |
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|   |   | Ms. Janice Steiner 
1401 Foucher Lane  Woodbridge, CT 06525  |
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|   |   | Dear Ms. Steiner: | ||||
| When the fact that you are writing makes it obvious that the news is bad, get to the point quickly. |   |
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| Be as positive as possible, and offer whatever help you can. |   | Although your payment is overdue, your previous record indicates a sincere desire to keep your account up to date. We assume that something has happened that makes it difficult for you to pay at this time. We'd like to help.
Solving money problems, whatever they might be, is our business. If you do have a problem, chances are that it will be easier than you think to find a solution. We would like to help you protect your credit standing. |
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| Be specific about the reader's options. |   | So, please bring your account up to date or let us hear from you soon. | ||||
|   |   | Sincerely, | ||||
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|   |   | Adrian Everts, Manager
enc |
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