FINAL NOTICE BEFORE LEGAL ACTION
We have repeatedly requested payment of $[XXX] on your overdue account numbered AC1234XX. Each of our repeated requests have been ignored. Accordingly, we shall turn this account over for collection within the next ten days unless payment, or an acceptable proposal for payment is obtained. Enforced collection on this obligation may result in additional legal or court costs to you and this may also impair your credit rating. Please respond immediately.
Over the past three months, I have written to you several times requesting an explanation as to why you have failed to bring your account up to date. By ignoring these requests, you are damaging your otherwise excellent credit record with us. Unfortunately, unless I hear from you within ten days, I will have no other choice but to turn your account over for collection. I am sorry that we must take such drastic action but I am afraid you have left us no alternative. Contact us immediately to discuss other possible solutions. You can also preserve your credit rating with us by remitting your check today for the total amount due of $[XXX].