Call (855) 494-5639 to explain the balance and payment difficulty. Ask about relief options, further information, and the terms of proposed assistance.
Describe the pattern rather than every detail
A useful opening identifies whether income changes, a commitment has recently increased, or an occasional expense affects the picture. State which documents support the figures and which entries still need confirmation. You can describe the question before transmitting a complete financial file. Keep the notice handy so the conversation can distinguish its requested action from the separate issue of affordability.
Ask what evidence would clarify the discussion
Request the period and purpose of any information needed next. If assistance is suggested, establish the scope and fees before deciding, and confirm the recipient before sending documents. Write down the follow-up question and the record it depends on. That note helps you see whether the next task concerns financial evidence, account history, or a different issue raised by the letter.