I thank you for your patience and understanding during this difficult time.
If at anytime I am in a position to resume payments on the alleged debt, I will contact you immediately to make appropriate arrangements. I will respond to any letters you send to me in a timely manner. I respectfully request that you contact me by letter only going forward please do not contact me by telephone. I am writing to inform you that my current income from is not enough for me to be able to make any payments towards my alleged debt at this time.
