Dear Ms. Beddo,
It has come to our attention that your account with us has become 60 days past due. As of December 10th, 2007, you owe us a total of $1.57. Your prompt attention to this matter is appreciated, as accounts past due by 90 days or more WILL BE REPORTED TO ALL THREE MAJOR CREDIT BUREAUS. Thank you.
Accounts Manager of We'reSoBroke, LLC
Seriously, are they really hurting so bad that me not paying $1.57 is going to cost this guy his job?! It would cost more to pay someone to process my check than the account balance is worth!