[Date]

[Addressee]

Dear [Name]:

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. Additionally, 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. 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. 

Very truly yours,