@John Hickey - It's a nice idea and I like what you're trying to accomplish, but it's unreasonable for BP to monitor every user's investments. 

Online certificates or letters are not legal.A more important issue: this is a "request for reasonable accommodation" and you don't have to accept it if the request is unreasonable.

It will be your assets the IRS will take and it will be you that may have to pay the IRS whatever crazy unreasonable amount they want you to pay because the local Revenue Officers today are on a major power trip-and that won't get any better. 

This letter again would state their balance but also that they have 3 days to pay before formal proceedings are started.This process shows the judge that you have made multiple attempts to collect payment and aren't being unreasonable. 

The rates beyond that don't seem unreasonable, comparatively speaking.

If it was common in the cruise industry for passengers to hide or not disclose relevant info like they get roaring drunk every day and ruin the experience for other passengers and the captain contracted with the passenger to pull over after seeing how they act to renegotiate the contract and the passenger had the right to say no and start the cruise back up immediately under the same terms and the captain had the right to walk away while having to pay to send the passenger home or fight over that cost with the passenger if the passenger feels the captain is being unreasonable and risk losing all of their time and expenses up to that point- then the analogy works. 

All hard money is short term, but there is a world of difference between private and hard money.However, I think it's unreasonable of you to assume that any private lender will want to tie up cash with you for 20 years, or anything even remotely close to that.

If those terms are truly her terms, they are unreasonable in light of what you've said here.

A small premium payed for parts is not unreasonable.

I found that unreasonable.