US Financial Management, Inc.

cept a settlement offer. Results may vary.

SAMPLE ONLY
U.S. Financial Management is NOT affiliated
with this company. U.S. Financial Management
is NOT a collection agency. This letter is an example
settlement we have obtained for a client.

ACTUAL SETTLEMENT LETTER

Houston, TX 77274

ADDRESS SERVICE REQUESTED

December 28, 2005


San Diego, CA 92165
   
PENTAGROUP FINANCIAL, LLC.
Toll Free:
Houston Legal:

Current Creditor:  
Current Account Number:
Original Creditor:   PROVIDIAN BANK
Original Account Number:

Current Balance:                   $3,547.34

DBT-SET

Pentagroup Financial, LLC.

Houston, TX 77036

IMPORTANT:  To receive proper credit be sure to enclose this portion with your payment in full.

RE:          SETTLEMENT OFFER

Dear: :

Your creditor has authorized us to offer you a settlement opportunity on the above referenced account. Upon clearance through the banking, system of the settlement amount indicated below your account will be considered settled. Payment of the total settlement amount must be received in our office no latter than the close of business on the date indicated below. If payment is not received in the indicated amount and within the time frame indicated, this offer will expire at that time.

This offer represents a substantial saving over the actual amount owed on this account and is an opportunity for you to take care of this obligation at a greatly reduced cost.

Amount you actually owe:                 $3,547.34
Settlement Amount:                           $1,773.00
Due Date:                                          December 31, 2005

Please call one of our friendly and courteous representatives’ at the toll free number listed above to discuss any questions you may have regarding this offer.

This is an attempt to collect a debt and any information obtained will be used for that purpose. This is a communication from a debt collector.