I understand the need for more time, and we are so happy that we are able to accommodate and worked with your request in the past in extending your payment. 

I just want to set proper expectation that payment arrangement has a 30-day rule which we will only be able to set one up if your account's total past due days equals to 30 days only. If more than 30 days, you need to bring it down by paying a specific amount.

To further provide you information, the total past due days of your account is _days and to bring it down to 30 days for payment arrangement eligibility, you need to make a minimum amount of payment of $_. Would you be able to settle this today?

Yes I totally get your point however as this is system generated thing. We do not have the option to make changes. When your past due debt age exceeded more then 30 days the system automatically holds the account.