感谢你方来函坦诚相告无法如期付款一事。
Thank you for writing to us frankly on your inability to pay your debt.
对此账单，我公司所以办理现金折扣，乃系奖励如期付款。
The cash discount given on this bill is an incentive to pay the bill on the date due.
你还必须仔细检查你的贷款予以处罚条款，按揭保险规定如期付款等条款。
You must also be careful check the terms of your loan for penalties, mortgage insurance requirement, payment schedule and such clauses.
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