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Dear ______,
As all of our previous attempts to contact you were unsuccessful, I regret that we
are forced to refer the matter to our legal department.
In order to avoid this unpleasant action and further damage to your credit record,
please pay the balance of your account, __Php amount-_____________, within ____number of days-____________ days of the date of this letter. This is the last notice you
will receive before action is taken. Please give this matter immediate attention.
Sincerely,
_______________