Happy Holidays and Merry Christmas. I know it is not politically correct to say Merry Christmas, but who cares? Not me. Anyway, I wanted to write you this quick letter to express my well wishes. Over the last few months I feel we have grown very close. I do not have any other friends who call me as much or as often as you do.
At first we talked all the time. You would ask me to make those minimal payments to keep your bosses off my back. You were so looking after me. You almost cared when you would call just two days after receiving that payment asking for more. You just could not go very long without talking to me and do not think I have not appreciated you eagerness.
I am sorry that I have become so busy that we have not had the pleasure of talking to each other as of late. Taking all the extra work I can for even the pennies I am offered is a must at this time. And I don't mean to be rude but sometimes you call at the most inconvenient times. And why don't you ever leave a message?
Unfortunately I think our relationship may be in jeopardy. I tried to send your bosses a letter explaining the situation to see if we could work something out but it seems that it was not received well. Apparently somehow they know of a way to feed a large family, keep them sheltered AND pay large payments to them on an income a little over a third of what it was last year.
I must say that I am a (stalker) of honor and want nothing more than to pay my debts. After all ,they are my debts. But our situation, through no fault of mine or my spouse, is tragically dire. And from talking to others, we are not the only ones going through this. But now you had to go and get lawyers involved. That is just not a nice way to treat the friend you have been calling for over eight months now. If we go down this road I may just have to go down the dark and ominous road of bankruptcy. If that happens I feel you will stop calling me and then what would I do with all that free time?
Hope this letter finds you well and did not take you away from anything important such as dinner or work or time with your family.