Dear Sir or Madam:
I have received your demand for payment regarding: ___________________.
Enclosed is a payment of $0.00 to be applied to the balance and in partial satisfaction of your claim. I apologize for not being able to make the entire payment today because of financial circumstances beyond my control. However, I wanted to get off this partial payment immediately to demonstrate my commitment to discharging this debt.
Rather than wait to put a whole plan together, I sent this payment today. Next week, or shortly thereafter, I will forward you my next payment along with a plan to discharge the entire balance.
Thank you in advance for working with me so we can both get this matter dealt with as promptly and expeditiously as possible.
Enclosure: Check & Bill