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