With reference to our letter of <placeholder:"11/21/99":"Click placeholder and overwrite"> we regret that we have still not received payment. Please pay the amount due by <placeholder:"11/11/99":"Click placeholder and overwrite">. This is the last reminder you will receive from us. If the amount is not received by the above date, we will be forced to turn the matter over to our lawyer. If you have already settled your account, please disregard this notice.