US Financial Management, Inc.

Cardmember Services

Wilmington, DE 19886-5548


San Diego, CA 92171  

January 27, 2006

Account Number
Balance: $8130.77

Charge Off Date: 01/31/2006

,

We are pleased to confirm that we’ve agreed to settle your credit card account for $2846.00 Our settlement brings you these three advantages:

You will pay $2846.00 a significant savings over the full balance that you owe us.  (Please note that the settlement amount doesn’t include any payments you may have already made to prevent your account from charging off immediately.)
We will stop all efforts to collect.
 We will report your account to that national credit bureaus as “settled” with no balance due.

To accept this offer, please send your payment for $2846.00 within 10 days.  You can:

Call toll-free to make a payment right over the phone with our free e-pay service.
Mail us a cashier’s check or money order.

We must receive your payment within 10 days from the date of this letter, or before the date your account is scheduled to charge off, whichever comes first.  If you’ve arranged to make multiple payments, we must receive the total settlement amount within the agreed time.  If you don’t send the total settlement amount on time, our settlement agreement will terminate and we’ll continue our collection efforts.

If you have not already done so, please destroy all the cards and convenience checks for your account.

If you have any questions about your settlement agreement, or find out when your account will Charge Off, please call us at

We look forward to receiving your payment.

Sincerely,

Customer Support Division

P.S. Send your cashier’s check or money order for $2846.00 today.

Mail to:  Cardmember Service


Overnight address:  Cardmember Service
Attn: Remittance Processing