INSTALLMENT AGREEMENT 
                                   TO PAY DEBT


                                        Date:



        To:



        Dear:

                This letter serves to confirm our agreement 
        of___________, 20__, in which you acknowledge the outstanding 
        overdue debt of $____________ to our company.  We agreed that you 
        shall make consecutive weekly payments of $___________ until the 
        debt is satisfied in full.  We further agreed that I would 
        receive the first payment by _______________,20__ and each 
        successive payment every ___________________ thereafter.  

                I sincerely appreciate your cooperation in resolving this 
        matter.  Finally, would you acknowledge our agreement by signing 
        the enclosed copy of this letter and returning it to me in the 
        enclosed, self-addressed envelope.

                                        Very truly yours,



                                        _______________________


                                                        Form 117