This letter is to inform you that your account is seriously past due and has
reached a point where we must decide within a few days whether to turn it
over for collection or just hand it over to our attorneys, neither of which
is our preference.
I am sure you are aware of the manner in which accounts that have seriously
past due balances must be handled. This letter is not to embarrass,
intimidate or do any of the nasty things that are often done to encourage
We would simply like to hear from you and learn what your intentions are in
regards to your account. Please
contact me immediately to resolve the past due issue of your account.