I acknowledge that I owe your company a debt of AMOUNT and am not trying to dispute it. My concern is that due to current financial difficulties I am unable to repay the amount that you are asking for. Instead, I would like to propose a payment of AMOUNT every two weeks until my debt is repaid. Please call me to confirm receipt and acceptance of these terms or I will consider your deposit of my check a confirmation. If my finances improve in the near future, I will contact you to adjust my payment schedule accordingly. I appreciate your patience and understanding in this matter.