In looking over my books with a view of raising a small amount of money, I note there is a balance due on your account of =$10.00=, and as you have always been one of my best paying patrons, I have let this run, knowing I could get it whenever I called on you. I always divide my accounts into three classes: 1. Those who I can depend upon to pay when I call on them. 2. Those who are slow to pay, and that I must keep after. 3. Very poor pay and unsatisfactory clients. Whenever one of my patrons fails to respond to my statements it reduces him to the next lower class. As you are one of my First Class patrons, I know you will be only too glad to assist me at this time. I saw little Mary on the street the other day, and she is looking well and hearty. I am glad she is so well, as we had a hard fight to save her last spring. Wishing you health, happiness and success, I am, Yours very truly. Now if this fails to bring the money, we will try Class No. 2. CLASS 2. Dear Sir:-- I was very much disappointed in not receiving the small amount of your account, =$10.00=, as you were one of my Class 1 customers, and I felt sure you would not fail me when I called on you. I hope you will attend to this at once, as I would like to place you back on my Class 1 list. A good credit is the greatest asset that any man can have, and I find I can only maintain my credit by making prompt payment of my bills. To do this I must have a prompt settlement of the bills due me. I know that you value a good credit, and feel sure that you will not again disappoint me. How is baby getting along? I guess he can almost stand by this time. Come in and see me any way, and we can no doubt make arrangements that will help us both out, and continue the best of friends. Yours very truly. In case he is not interested in your friendship, and does not show up with the money, we will try our third and last shot. CLASS 3. Dear Sir:-- I am very sorry that you did not see fit to reply to my letters of =July 15= and =August 15=. Not so much on account of your failure to pay me the =$10.00= which you owe, but because I dislike to lose faith in my fellow man, and you know it hurts a fellow when he finds his judgment was wrong. I have often wondered how I would feel if I knew my little child was up in heaven, looking down at me with her angelic eyes, wondering why I did not pay the doctor who worked so hard all night to give her ease and to keep her with me. I don't believe that I could be happy. Still =John=, I believe in you, and feel sure you will come in and see me about this little matter. I just can't believe I was mistaken in you. Wishing you success, I am, Very truly yours.