Reluctantly, I am writing to you regarding an unfortunate situation--after two unsuccessful attempts to deposit your checks, we have not heard from you. Since I understand that your good credit rating is important to you, I am hesitant to take any actions which may blemish it. However, I will be left with no choice but to forward your account to a credit agency or commence legal actions if I do not hear from you within the next three business days. I am sure that this matter can be easily redressed in a mutually-agreeable manner if you get in touch with me at XXX-XXXX.
I am looking forward to talking to you so that we may avoid further embarrassments and frustrations.
Sincerely,
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