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                  FINAL NOTICE BEFORE LEGAL ACTION

       Date:

        To:  (Customer)

               Re:  $_______________ PAST DUE

 
  
               We have repeatedly requested payment of the above past

        due account.  Our demands for payment have been ignored.

               Therefore, we shall turn this account over for collection

        within the next ____ days unless payment, or an acceptable

        proposal for payment is received.

               Collection action on this obligation may result in

        additional legal or court costs to you and may impair your

        credit rating.

 
                                        Very truly,

                                        _____________________________