(your name)
(street address)
(city, state, zip)





Attention: _____________________

This is to advise you that you are in default under the terms of the promissory note
dated _________________, for failure to make the payments due thereunder
of _________________.

The total amount due for those payments is $___________. It is important that full
payment be received on or before ten (10) days from the date of this letter, or the
term for payment of your indebtedness will be accelerated and the entire principal
balance and any unpaid interest will become immediately due and payable.

As you are aware, the terms of the promissory note provide that interest accrues,
from the date of default, at the highest rate allowable by law, and you are liable, upon
default, for all costs and reasonable attorney's fees incurred in the collection of this debt.

If necessary, legal action will be taken to enforce payment of this promissory
note. Please make the above payments to avoid any further collection action.