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. Sincerely,