Most firms have adopted a series of collection letters beginning with the routine card reminder of an overdue account and following with gradually increasingly personal second, third, fourth, and so on, letters.

First letter—printed card

THE ENCLOSED STATEMENT OF ACCOUNT IS SENT TO YOU AS WE BELIEVE YOU HAVE OVERLOOKED ITS PAYMENT.
Stone Brothers

Second letter

STONE BROTHERS
NEW YORK

March 15, 1917.

Miss Grace Duncan,

146 Prospect Park West,

Brooklyn, N. Y.

Dear Madam: