I understand that my payment is three weeks late, but that does not justify your collections office's actions. During the past five days I have received three telephone calls and four letters. In addition, one of your representatives has contacted three of my relatives who have nothing to do with my finances. By anyone's definition this is harassment. I expect you to stop contacting me every day and to stop calling my relatives.
In the meantime, please know that I plan to send you a payment within the next few days. The money will reach your office in about a week.