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90 It must be remembered that sometimes the savings of years and years of labor are placed in some venture, and that the debtor worries over non-payment of some ac- count every whit as much as the creditor. While the creditor is suffering sleepless nights, the debtor likewise is suffering from insomnia. The correspondent who frankly asks “How can we help you” or “What is the trouble? Can we help you?” has a chance for some real constructive credit work through the offering of some worth while assistance.

Sixteen Specimen Letters

The following letters illustrate how one may enter into friendly discussion with a debtor, through offers of as- sistance, and the desire to give satisfaction :—



We do not seem to have any reply to our recent letter re- garding our account of $38.75.

What is the trouble? Write us frankly. Our interests and the interests of our customers are identical and if we can assist you in any way, you may rely upon our doing so.

I am enclosing a return envelope. Use it and your reply will come direct to me.

Very truly yours,
 * Credit Manager.



I have been daily expecting to receive your check for our account of $42.00, but so far I’ve been disappointed.

Are there any temporary conditions which prevent you from remitting at this time? If there are, please advise me frankly. You will always find us ready to cooperate with our customers to any reasonable extent, as our interests and their interests are identically the same.