Credits on delinquency notices?

Our collections team is using E1 apps 9.0.2 delinquency notices to inform customers of open invoices that are past their due dates.  They would like credits to appear on the delinquency notices, but not have the credits drive which text appears on the notice.

For example, a customer might receive a first reminder for a past due invoice and a small open credit, and then pay the invoice but not take their credit.  Later, when the customer has a different past due invoice, a new notice is generated with the second level text because the "past due" credit was listed on a previous notice.  Instead, our collections team would like to have the notice generated with the first level text because it is the first time a notice is being generated for that particular invoice.