In the past 6 months we purchased 4 NPNs on commercial properties, restructured the notes, and we feel we have very secure positions with excellent returns.  

We are not going out of business we are merely restructuring going back to our old way of doing things that made us successful.

She is looking out for her best interest just as the PMC was restructuring to increase their bottom line. 

You effectively get to restructure and spread your equity to make it more efficient and productive. 

@Chris Seveney,Don't you carry the same level of responsibility when rewriting/restructuring a note where the payor is slow to pay (30-90 days late, consistently), but most technically not truly delinquent?

You could restructure your letter like this:Hello Mr.

They called, some on the first or second mailing, some on the 10th and some took more than one phone call to get them to agree once they finally calledWe were assembling an old subdivision and then restructuring the lots to provide space for more modern homes.  

I am planning to restructure all my entities and my decision will be based on research that I will be conducting on my own plus some help from high end professionals.  

A lease should probably to be restructured to address this issue as well as anything else iffy. 

Maybe you could consider restructuring the rent, lowering to 525 and not paying for the trash.