Dear

　　The postmark of thisletter is registered with our office. Unless you contact us at [telephone]， you will run the riskof your local Sheriff serving you with a Summons and Complaint to appear inCourt without further notice to you.

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

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

　　PLEASE GOVERN YOURSELFACCORDINGLY.