On our 45 day letter to the customer who has been in OD for 45 consecutive days, we state they have 15 days to come in and rectify their account. This is due to the 60 day charge off requirement. Would it be ok to change the amount of time to 10 days, giving the 55 day period the day in which we consider charge off?

I'm wanting to make sure we are in the time frame of charging off the account before we absolutely are required to do so.
Thank you in advance for any advice.
"No one can make you feel inferior without your consent."
Eleanor Roosevelt