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Hello and thank you for contacting us. This is Dwayne B. and I’m an expert here and looking forward to assisting you today. If at any point any of my answers aren’t clear please don’t hesitate to ask for clarification. Also, I can only answer the questions you specifically ask and based on the facts that you give so please be sure that you ask the questions you want to ask and provide all necessary facts.
First, as the click throughs explain, we can answer questions and provide information on legal topics but we can't provide advice since that requires the creation of an attorney client relationship which can't do through the website. Most people who come to JustAnswer actually don't need advice, they just need information.
Before I can provide information I need to know what exactly is your intent for the text? Do you believe it is going to prompt them to pay you the money you are owed?
That text won't be admissible in court for a number of reasons. Potentially their response will be but it is almost impossible for someone representing themselves to "prove up" text messages and make them admissible.
However, there is nothing wrong with the language in the text other as it is written, it's not the language that makes it inadmissible.
What I'd suggest you consider doing is sitting down with a local lawyer and hiring them to help you write a couple of letters to send. They can help you word them in such a way that it stands a better chance of being admissible.