How to write short messages to chase money

I find debt collection difficult. If you wait for the money to run out, you must recover the loan immediately. Personally, I think it is not ideal to use SMS. SMS can't fully express how badly you need money. It also shows that your attitude towards this matter is not firm enough. What should you do if the other party returns a message that has no money to pay back for the time being after reading it? So it's better to come forward in person. If you come forward in person, the other party will consider that you really need the money and make a decision to pay it back. I can't guarantee that I will pay you back or at one time, but I can guarantee that the other party will try to help you at the meeting, and may pay you back in part first or help you in other ways.