(your street
					 city, state, zip)

					(date)



(name
street
city, state, zip)

Dear ____ (name):

	We are interested in our customers and are always trying
to find new ways to improve our service.  For these reasons, we
are inquiring if there is a reason for your delay in paying your
long overdue account.  If we can help - by making your payments
smaller or extending our terms or by recommending a loan
company -- please let us know.

	We would appreciate a word from you -- as well as your
check.

					Sincerely,



				 	(name)
					(title)