December 6, 2023

YOR SANTOS
LF Reality Firm
Bond Building, Mango Avenue, Cebu City

Dear Yor Santos:

Good day!
This has reference to the complaint of my client, Anya Ferrer, regarding the unpaid money you
borrowed in the amount of fifty thousand pesos (Php 50,000.00). As evident to the promissory
note you signed on the same day you received the amount, October 30, 2023, you promise to
pay the money you owed in full on December 1, 2023. We have attached to this letter a copy of
the promissory note for your reference.
It appears that you started your transaction with my client on October 2023. You and my client
also agreed that repayment shall be made in full amount on December 1, 2023. However, my
client has not heard from you since then and no payment has been made as of this writing. May
we again remind you to pay your obligation in full amount. Unfortunately, you have no payment
has been made up until this writing.
As much as we understand the financial challenge that is confronting you right now, my client is
equally incurring additional financial burden to take action of the situation. It has caused my
client money to incur additional expenses in engaging the services of a lawyer to enforce the
performance of obligation. In line with this, we demand that you to respectfully pay fully the
amount you borrowed not later than December 31, 2023.
Please be advised that unless we receive the payment in full within the date mentioned to this
letter, we will take the necessary legal action for collection proceedings without your notice.

Thank you for your immediate attention to this serious matter.

Yours truly,

Atty. KATERINA R. SANTOS

Senior Lawyer
Reason Law Firm, Inc.