(your street
					 city, state, zip)

					(date)

(name
street
city, state, zip)

Dear ____ (name):

	We cannot accept any further delay in paying your 
balance due.  Your ignoring our suggestions of working
together to get your account current is having a negative
effect on your credit record.  We must have a payment now!

	If you cannot send at least a partial payment now,
call us so that we can come to a workable agreement.

					Yours sincerely,



					(name)
					(title)