Dear ____________ :

We are truly at a loss. We cannot understand why you still have not
cleared your balance of $ ___________ , which is now ___________ overdue.

Although you have been a reliable customer for _______ years, we are
afraid you are placing your credit standing in jeopardy. Only you by
sending us a check today, can insure your reputation and secure the
continued convenience of buying on credit.
We would hate to lose a valued friend, Mr./Ms._____ .
Please allow us to keep serving you.