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.  In addition to the above mentioned balance， 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 of same.  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.