______________ _____, ________.
FINAL NOTICE BEFORE LEGAL ACTION:
You have been repeatedly advised you of your overdue balance in the amount of $. The reason for this amount owed, as previously stated, is due to .
Since you have ignored all previous requests and have not made payment, This is your final opportunity to resolve matters without the expense of court proceedings. To avoid suit and other such costly actions as well as potential damage to your credit rating, please make payment within days of the date of this notice.