I'm sorry to bother you but we need to talk... This is a little delicate...
You've always been a really good tenant but, I noticed recently you're getting really behind on your rent...
You haven't paid in full for three months now and it's getting to be a bit of an issue.
I can't do all of those important landlord things like... Frivolously spending money if you're not giving me any can I?
You lost your job and you'll do anything to make sure you stay housed?
Well, I think I might have a solution for that, how comfortable are you with kneeling?