Description

Dear Debtor, This letter serves as a formal and final reminder regarding the outstanding balance owed on your account referenced as Account # CMS-9786/A, which is currently placed with us for collection on behalf of Advance America / Speedy Cash. Despite our previous attempts to contact you and provide opportunities for resolution, we have not yet received any payment or communication from you regarding this matter. As of today, your total outstanding debt is $1,418.16. This amount includes the original balance of $948.00 as well as additional late-payment costs, which have accrued at a rate of $50 per week due to the prolonged non-payment. The full amount is now past due, and immediate attention is required to prevent further escalation. We must inform you that if we do not receive payment in full by December 5th, 2025, we will have no alternative but to consider initiating legal proceedings to recover the outstanding amount on behalf of our client. Legal action may result in additional expenses, court costs, and potential judgments that could increase the total amount owed. This letter is intended to give you a final opportunity to resolve this matter voluntarily and avoid the inconvenience and potential consequences associated with legal proceedings. You are strongly encouraged to settle the balance by the stated deadline. If there is a legitimate reason for delay or if you wish to discuss payment options, we urge you to contact us immediately so we can work toward a resolution. Please understand that failure to respond within seven days—from December 2nd, 2025 to December 5th, 2025—may lead to the initiation of legal actions without further notice. However, we sincerely hope such steps will not be necessary and believe this matter can still be resolved amicably. We strongly advise treating this notice with urgency. Settling the account promptly will prevent additional fees and spare you the inconvenience of formal collection procedures. We remain willing to discuss the account and assist in resolving the balance as quickly as possible. We appreciate your immediate attention to this matter and look forward to receiving your payment or hearing from you without delay. Sincerely, Collections Department