"สุภาพหรือดูหยาบคายไปหรือเปล่า?" ............
ทำให้คิดถึงภาษิตที่ว่า "Cat in gloves catches no mice" ---> This expression means that if you are too careful and polite, you may not obtain what you want. Ex: Negotiate carefully, but remember : a cat in gloves catches no mice!

จดหมายการทวงหนี้ เท่าที่รู้มี 3 ขั้นตอน ลองพิจารณาดู ：

ฉบับแรก: เป็นการเตือนขอให้ชำระ....

May 1, 2013

Dear Sir,

Ref:  P/O No. XXXXX; Invoice No. XXXX; dated: __/__/2013

We would remind you that the balance of  US$ _____ is now overdue.  Please give this matter your attention and let us have a remittance by return.  If the payment is made, please disregard this reminder and accept our thanks.

Yours faithfully,
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ฉบับที่ 2： เป็นเร่งรัดให้ชำระ

May 13, 2013

Dear Sir,

Ref: 2^nd Reminder

I refer to our letter dated May 1, 2013 asking for payment of the overdue balance of US$ ____, we regret that we have  not yet received your remittance.

Kindly take note that our profit on this transaction is too small to admit of such a long credit.  Only prompt settlement will help us to give you preferential treatment and special concession, and herein request you to let us have your remittance without further delay.

Yours faithfully,
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ฉบับที่ 3： ขู่ว่าจะดำเนินตามกฏหมาย

May 20, 2013

Dear Sir,

we regret that our repeated applications for a settlement of the overdue balance of our account have been ignored by you, we are compelled to take legal steps for its collection if your payment does not reach us within ___ days.

Yours faithfully,