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Letter of delinquency

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Letter of delinquency
December 29, 2018 Anniversary Wishes For Parents 3 comments

And I am sure that you will convey to Mr. Taber the thanks of the committee for your bringing it. At this point, without objection, the record will include a letter of Mr.

Delinquent Letter

This letter will serve two purposes; to remind you that your water bill is PAST DUE and to make you fully aware of our policy toward delinquency and disconnection for non-payment. 


Our disconnection policy is as follows:

As a customer of Smith Management, you were given 20 days from the date of billing before it becomes past due (delinquent) and an additional 30 day delinquency period before your service may be disconnected for non-payment.  Therefore:


     *You are being provided 30 days from the past due date to pay your bill.  If your bill has not been paid at the end of this 30 day delinquency period, service will be disconnected. 


     *If you feel an error in the enclosed billing has occurred, contact our office at (806)-773-0022 and your bill will be reviewed.  Payment of the undisputed amount on your bill will postpone discontinuance of service until the dispute is resolved.


     *If you are financially unable to pay this bill in full, installment agreements are available to help meet your obligation.  Failure on your part to resolve this bill will cause the termination of water service to your residence.  To make arrangements it is important that you contact Alan Wallace at (806) 773-0022.


    *To claim allowances for medical cause, a completed and signed medical certificate must be submitted by your attending physician.  This certificate must be updated yearly.  If discontinuance occurs, we will restore service within 12 hours after receipt of a properly signed medical certificate.


     *A list of unpaid accounts showing "intent to discontinue service" along with a copy of this letter will be delivered to TCEQ and the county sheriff's office.  Once service has been discontinued, any action or attempted action by you or at your direction to re-establish service without the approval of this office will be reported to legal authorities as "theft of services". 


Because of non-payment, this WATER UTILITY PROPOSES TO DISCONTINUE UTILITY SERVICE unless payment for your past due water bill is received on or before the 20th of next month.

And I am sure that you will convey to Mr. Taber the thanks of the committee for your bringing it. At this point, without objection, the record will include a letter of Mr.

What is a “Notice of Child Support Delinquency?”

letter of delinquency

Folks can experience financial problems at any time — problems that muck up their credit reports and hamper their access to new credit. However, knowing how to write a letter of explanation for credit problems and attaching it to a credit application can make a big difference.

Many lenders will go the extra mile to accommodate consumers that can explain past problems and offer assurances that the problems have been remedied. But first, it’ll be a good idea to check and see whether you have bad credit at all. When’s the last time you checked your credit score?

Keeping up with your credit score is important, not only as a general rule of thumb but because mistakes can and do happen. Your score may be weighed down by an errant account on your report that may belong to someone with a similar name or other simple errors.  Check with each of the three major bureaus to get a complete view of your financial profile, as the information reported to each bureau by creditors may vary.

Do’s and Don’ts | Sample Letters | Professional Help

To be effective, a good letter of explanation needs to observe certain rules:

Be Honest

The letter must be true — don’t over-exaggerate or lie. Simply state the facts, including your understanding at the time, the roles others played and, ultimately, why you were unable to pay your bills on time. Additionally, be sure to write the letter yourself; letters written by your loan officer or another party will hold less weight than one written by you.

Take Ownership

To the extent that you were at fault, own up to your mistakes. If you truly were innocent or victimized, describe what steps you took and to whom you reported the incident.

At the same time, don’t wax poetic or hop onto your soap box; keep your explanation short and sweet, without a long, drawn out story you hope will garner sympathy.

Don’t Blame the Creditor

Blaming your creditor is a very bad idea, since you are trying to arrange credit from, well, a creditor. They will have little patience for a person who trashes one or more previous creditors.

Include Documentation

Show receipts, letters, insurance policies, contracts and any other documents that will shed light on the problem and support your claims. Always send copies — keep the originals in a safe place.

Promise to Avoid Further Problems

To the extent you made avoidable mistakes, promise to never repeat them again. Additionally, demonstrate to your new creditor the lessons you learned — and the concrete steps you’ve taken to prevent problems from occurring again.

Here is a sample letter you can use as the starting point for the one you create:

To Whom It May Concern:

I am sending you this letter and the attached documents to explain my late medical bill payments to XXXXX Hospital. This applies to late payments dated 5/1 to 6/15, 2012 for a balance of $45,971.

When this situation occurred, I found myself with a serious health challenge and inadequate health insurance. At the time, I worked for [company] and suffered a heart attack. Unfortunately, I had a pre-existing heart condition and the health insurer, XYZ Health Insurance, denied my claims for surgery and care related to the heart attack.

The illness drained most of my savings, and I was unable to pay my medical bills on time. The hospital graciously worked out a repayment plan with me, and I have not missed a monthly payment since we reached agreement.

I have taken the following steps to avoid this problem from ever happening again:

I have purchased health insurance policy through an Affordable Care Act marketplace that covers all pre-existing conditions. Please see the attached copy of the policy, which covers 80 percent of all costs.

I have opened and funded a Health Savings Account to help pay for my portion of future medical bills. Attached is a statement showing contributions to the HSA.

I have lost 150 pounds (please see before and after photographs), changed my eating habits and work out every day in the gym. My blood pressure is excellent, and I am in the best health of my life.

I have always taken great pride in my financial responsibility and hope you agree that I have executed the steps necessary to avoid a recurrence of this unfortunate incident. I hope you will approve my credit application, and I will be happy to provide any further information.

[Your Signature]

You can always go the easy route and have someone do it for you, like a credit repair service that will also help to get your finances and credit back on track. Lexington Law is available to take your call, and, on average, their past clients have seen 10.2 negative items removed from their credit reports in four months.

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All consultations are free and there’s never any obligation. Good luck!

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National Republican fundraisers mail 'notice of delinquency' to potential donors

letter of delinquency

Generally, a notice of delinquency is a legal notification of an overdue payment. It may be issued in the context, among others, of payment of taxes, court-ordered child support, finance charges, or wages. State laws, which vary by jurisdiction, govern rules involving time period, delivery method, content, etc. of notices of delinquency. Failure to timely respond to a notice of delinquency may result in a lien or garnishment being filed.

The following is an example of a state statute governing notices of deliquency for payment of employee wages:

"If, under a final order, a person is determined to be delinquent in the payment of wages, penalties, interest, or other amounts due under this chapter, the commission may notify personally or by mail any person who:

  1. possesses or controls any of the delinquent person's assets, including a credit, bank, or savings account or deposit, or other intangible or personal property; or
  2. owes a debt to the delinquent person.
  3. (b) A notice under this subchapter to a state officer, department, or agency must be provided before the officer, department, or agency presents to the comptroller the claim of the delinquent person.

    (c) A notice under this subchapter may be given at any time after the wages, penalties, interest, or other amounts due under this chapter become delinquent. The notice must state the amount of wages, penalties, interest, or other amounts due and owing and any additional amount that will accrue by operation of law in a period not to exceed 30 days and, in the case of a credit, bank, or savings account or deposit, is effective only up to that amount."

A Notice of Child Support Delinquency is a warning from the Department of Revenue Child Support Enforcement Division (DOR/CSE) that if you do not pay past.

Notice of Delinquency Law and Legal Definition

letter of delinquency

Note: This article has been updated since it's original publication.

Homeowner Collections is an unsavory topic. It's no fun to be 'THAT guy' who is going after down-on-their-luck neighbors and demanding money. Of course, in a homeowners association, you always have the nuclear option for collections—the home lien—but that should really be a last resort.

The surprising truth is that the vast majority of late assessments can be collected long before you reach that critical mass, and you don't have to be a jerk to get the money the association is owed.

In this article, I am going to outline for you a simple method that you can implement to collect past due assessments in a consistent, legally binding, and effective way:

The Community Association should already have an approved Delinquency Policy so you have a uniform process for handling delinquent homeowners. Now you need to create a series of demand letters that are part of the collection process.

Striking the Right Tone

Communications are very important to the success of your collection process. You have to strike the right tone in these letters to encourage the delinquent homeowner to make payment.

Collection letters should always be business-like. They should avoid any personal attacks or wording that can be taken as casting an aspersion on the delinquent homeowner. Don’t give the homeowner any fuel to come back against the community.

Properly worded collection letters are an effective tool in collecting past due assessments. They should be written like a call to action to motivate the delinquent homeowner to pay all past due amounts. Letters that play on the delinquent homeowners conscience, like pointing out that that community relies on each homeowners prompt payment of assessments in order to meet its obligations, are most effective.

Sample Collection Process

I favor a 4-step collection letter process to give the delinquent owner ample time to pay and ample warning of the consequences if they do not pay. Here are the steps I have found successful in the past:

  1. Late Notice Letter - Usually, the first letter is a simple reminder that the homeowners’ assessment payment is late and a late fee charged. This letter should be brief and to the point. It should show the amount past due along with any late fee that was charged.
  1. First Warning Letter – A more serious and demanding letter than the Late Notice. It reminds the owner of the amounts past due and the late fees. It mentions the consequences of not paying all of the past due assessments and late fees, such as filing a lien.
  1. Second Warning Letter – A stronger letter in its wording than the First Warning, it is a more serious and demanding letter than the Late Notice. It again reminds the owner of the amounts past due and the late fees. It mentions the consequences of not paying all of the past due assessments and late fees, such as filing a lien. It mentions the owners appeal rights in the case of financial hardship.
  1. Final Warning Letter – This letter assumes the community files liens to protect it’s interests when a homeowner becomes seriously delinquent and has ignored previous warning letters. This letter reminds the owner of the amounts past due and the late fees. It mentions that legal action, such as a lien, will be initiated next and that additional collection costs will be incurred. It gives a firm deadline when payment must be received before legal action is taken. It also mentions the owner’s appeal right in the case of financial hardship.

If All Else Fails...

The unhappy fifth step in this process is the big bad itself: taking legal action. If you threaten it, you must be committed to following through. If the owner does not pay their past due balances, or contact the community to appeal or work out a payment plan, then you must take legal collection action, usually by filing a lien or turning the debt over to your attorney. [Note: In some states, only an attorney may take this action.]

Consult Your Attorney

Some states have laws that limit the ability of a community or their management company from sending collection letters. For example, Maryland requires management companies to be licensed as “collection agencies” in order to send demand letters like the ones outlined above. You must check with a local attorney to make sure you understand any requirements or restrictions in your area relative to sending collection letters.

Once you've got your letter templates ready, it's also a good idea to run them by your attorney to be certain you are within the law.

Ensuring Accountability

In a Community Association, every member of the association (the homeowner) is responsible for their small part of keeping the organization up and running efficiently by paying their association dues in a timely manner. If even one member does not pull her weight, the other community members have to pick up the slack. That's why a delinquency policy and subsequent collections strategy is such an important part of your CAM accounting cycle.

I am including a sample set of 4 collection letters matching the recommended steps above. Feel free to download them and customize them for your community. When drafting your letters, make sure they follow the process laid out in your delinquency policy. 


Jeff Hardy owned a very successful management company with a portfolio of over 90 community associations. Feeling that a better solution needed to be made available to serve Community Association Management companies, Jeff founded TOPS Software to provide Condo/HOA management software. Today, TOPS is the industry leading community management software solution. Jeff is the author of the popular eBook "BYOB: Be Your Own Boss" which teaches you how to start your own business in community association management.


 *Image credit: Michal Jarmoluk via Pixabay

When it comes to managing accounts receivable, communication with your customers is of critical importance and a collection letter is a major.

letter of delinquency
Written by Feshakar
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