[Your letterhead, if desired; if not, your return address]
[Date of letter-month, day, and year]
[Recipient's first and last names]
[Street or P.O. box address]
[City, State ZIP code]
Dear [recipient's name]:
We are writing to inform you of potential impending legal action, unless we receive your immediate payment of $923.23 that is owed on your account #922277 with AZ Services. This amount is seriously past due and includes all finance charges and other fees.
Be advised that you must respond immediately and that any legal action could seriously impact your credit rating.
Please call (800) 555-1212 immediately to make your payment or to discuss payment arrangements. Thank you for promptly attending to this important matter.
[Sender's first and last names]