Dear

The postmark of this letter is registered with our office.
Unless you contact us at (telephone), you will run the
risk of your local Sheriff serving you with a Summons and
Complaint to appear in Court without further notice to
you.

Filing of suit will initiate a series of events that will
cause you considerable inconvenience and expense. In
addition to the above mentioned balance, you may be liable
for court costs and interest.

In the event you should fail to contact us immediately, we
will assume that this debt is valid. Should you have any
reason to dispute the validity of the debt or any portion
thereof, this office will obtain verification of the debt
or obtain a copy of the Judgment and mail you a copy of
same. This office will also provide you with the name and
address of the original creditor if different from the
current creditor.

PLEASE GOVERN YOURSELF ACCORDINGLY.