THIS LETTER IS BEING SENT AS A COURTESY AND AS A REMINDER OF THE AFORESAID OBLIGATION. IF THIS PAYMENT HAS BEEN MADE PLEASE DISREGARD THIS NOTICE. OTHERWISE, YOU ARE URGED TO REMIT PAYMENT. IF YOU HAVE ANY QUESTIONS WITH REGARD TO THIS MATTER PLEASE CONTACT THE CREDITOR AT:

CHARLES CREDITOR 5432 MAIN STREET YOUR TOWN, NY 12345 888-555-1212 Ref# 12345

• PAYMENTS BY PERSONAL CHECK, MONEY ORDER, OR CASHIERS CHECK MAY BE ACCEPTED.
• BANK AND SERVICE CHARGES WILL BE ASSESSED ON ALL RETURNED CHECKS.
• TO INSURE PROPER CREDIT, PLEASE INCLUDE THE ACCOUNT NUMBER REFERENCED ABOVE.

DEMAND FOR PAYMENT

WE HAVE BEEN RETAINED TO COLLECT THE OUTSTANDING BALANCE DUE AND OWING ON THE AFORESAID ACCOUNT. TO AVOID FURTHER COLLECTION ACTIVITY FORWARD PAYMENT FOR THE BALANCE DUE TO THE CREDITOR AT:

CHARLES CREDITOR 5432 MAIN STREET YOUR TOWN, NY 12345 888-555-1212 Ref# 12345

SHOULD YOU HAVE ANY QUESTIONS REGARDING THIS MATTER OR WISH TO PROVIDE AN EXPLANATION FOR NON PAYMENT PLEASE CONTACT THE CREDITOR DIRECTLY.

• PAYMENTS BY PERSONAL CHECK, MONEY ORDER, OR CASHIERS CHECK MAY BE ACCEPTED.
• BANK AND SERVICE CHARGES WILL BE ASSESSED ON ALL RETURNED CHECKS.
• TO INSURE PROPER CREDIT, PLEASE INCLUDE THE ACCOUNT NUMBER REFERENCED ABOVE.

SECOND DEMAND FOR PAYMENT

THIS PAST DUE ACCOUNT IS NOW SERIOUSLY DELINQUENT AND YOU HAVE FAILED TO RESPOND TO OUR PREVIOUS NOTICES ADVISING YOU OF SUCH. UNLESS YOU ADDRESS THIS MATTER WE WILL BE FORCED TO PURSUE COLLECTION THROUGH EVERY MEANS AVAILABLE TO OUR AGENCY. PAY NOW TO AVOID THESE FURTHER ACTIONS.

SEND PAYMENT OR CONTACT THE CREDITOR DIRECTLY AT:

CHARLES CREDITOR 5432 MAIN STREET YOUR TOWN, NY 12345 888-555-1212 Ref# 12345

• PAYMENTS BY PERSONAL CHECK, MONEY ORDER, OR CASHIERS CHECK MAY BE ACCEPTED.
• BANK AND SERVICE CHARGES WILL BE ASSESSED ON ALL RETURNED CHECKS.
• TO INSURE PROPER CREDIT, PLEASE INCLUDE THE ACCOUNT NUMBER REFERENCED ABOVE.

LITIGATION NOTICE

YOU ARE HEREBY NOTIFIED THAT A RECOMMENDATION TO FILE A LAWSUIT TO COLLECT THE OUTSTANDING BALANCE HAS BEEN MADE TO OUR CLIENT. A JUDGMENT MAY SERIOUSLY IMPACT YOUR CREDIT PROFILE AND IMPACT YOUR ABILITY TO OBTAIN FUTURE FINANCING. FURTHERMORE, IF WE ARE REQUIRED TO TAKE LEGAL ACTION, WE WILL SEEK REIMBURSEMENT FOR SUCH EXTRA COSTS FROM YOU. FORWARD PAYMENT TO YOUR CREDITOR TODAY TO AVOID THIS NEXT STEP.

SEND PAYMENT OR CONTACT THE CREDITOR DIRECTLY AT:

CHARLES CREDITOR 5432 MAIN STREET YOUR TOWN, NY 12345 888-555-1212 Ref# 12345

• PAYMENTS BY PERSONAL CHECK, MONEY ORDER, OR CASHIERS CHECK MAY BE ACCEPTED.
• BANK AND SERVICE CHARGES WILL BE ASSESSED ON ALL RETURNED CHECKS.
• TO INSURE PROPER CREDIT, PLEASE INCLUDE THE ACCOUNT NUMBER REFERENCED ABOVE.