6 December 2016

SPOUSES JOHN DOE AND JANE DOE

Enclave

Re: Unsettled Account with (insert clients name)

Dear Sir/Madam:

We write in behalf of our client, (insert clients name), with regard to your
outstanding obligations with it arising from your (Promissory Note dated
____________/ Loan insert how the obligation to pay), wherein you promised to
pay the amount of Philippine Currency: ___________________ (P______________) on or
before ________________.

Our clients records show that, as of ____________________, you still have an

outstanding balance on the principal amounting to Philippine Currency:
______________________ (P___________________), which amount is exclusive of
stipulated interest, penalties and attorneys fees. Despite numerous demands made
by our client, oral and written, you have failed and still refuse to pay either the
principal or the interest on the above-stated obligations.

In view thereof, we make a final demand that you settle your obligations to our
client by paying the amount of Philippine Currency: _______________________________
(P_______________) which amount is inclusive of stipulated interest, penalties, plus
attorneys fees. Should you fail to comply with the above demand within five (5)
days from receipt of this letter, we shall be constrained, much to our regret, to
advice our client to file the necessary court action and/or to judicially or
extrajudicially foreclose your real mortgage to enforce compliance.

We hope that you will give this matter your preferential attention.

Very truly yours,

KURT POGI
For the Firm