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,



                                        _____________________________



                                        Form 119

      

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