your credit reputation is important to you, Ms.Riders. For some time now, we have been writing to you in an effort to clean up that balance of $ 20000, explained in the attached statement. So far you have not sent us either a check or an explanation, although six separate messages have called the debt to your attention.
Can't we still settle this account between ourselves in a friendly way? If you send your check for $20000 now, you can continue to buy garden tools on your regular terms. The agreement with our collection agency, however, does not allowed further delay. We must turn your account over to our agency for collection unless it is taken care of within ten days.
The choice is yours. If your check reaches us by November 16,2000, your credit standing with us is still good, and our friendly business relations wil continue.
Please send your check for #20000 today. Protect your credit reputation.