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Dear _________________:
You may not realize this, but your account is in default. A minimum payment of _________________ is due now, with the balance of _________________ to be paid out over a _________________ period.
We must hear from you immediately regarding this debt and how you intend to pay it. You may call us at _________________.
Please, _________________, we do not wish to be forced to send this bill out for collection. I urge you to make at least your minimum payment today. A self-addressed envelope is enclosed for your convenience.
Sincerely,
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