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 regret to inform you that we have already  
maximized our options in providing you ample time in making the 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 _ and to bring it down to 30 days for payment arrangement  
eligibility, you need to make a minimum amount of payment of $_.