US Financial Management, Inc.

Cardmember Service
Fulfillment Department, DE1-0811

Frederick, MD 21705-0517

San Diego, CA 92171
Balance: $5,681.48
   

December 08, 2005
                                                          
Dear:
              
We are pleased we found a settlement that works for you.  This letter confirms that we agreed to settle your credit card account for $2,273.00 as a result of this settlement, you will benefit from all these advantages:

You will only pay $2273.00, a significant savings over the full balance.  We will stop all attempts to collect.  Upon conclusion f the settlement, we will report your account to the national credit bureaus as settled with a remaining balance due of zero (0.00).

To accept this offer, please send your payments, as follows:

Payment Amt:                       2273.00                   Due 12/14/2005

Payment Amt:                     

Payment Amt:

Payment Amt:

The total settlement amount must be received within the agreed timeframe.  If you do not complete your settlement arrangement on time, this agreement will become null and void.  We will continue our collection efforts.

Please call us toll free at if you have any questions about your settlement agreement.  We look forward to settling your account.

Sincerely,


Fulfillment Department

Account is owned by Chase Bank USA, N.A.
Calls may be monitored and/ or recorded to ensure the highest level of quality service.