US Financial Management, Inc.

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

mcm
midland credit management, Inc.


San Diego, CA 92193-9019



Contact information:
Tel
Fax
Hours of Operation:
M-Th 6am-7pm;
Fri-Sat 6am-5pm PST

Current Owner: Midland Funding, LLC.
Original Creditor: First North American National

Original Account No.:        

MCM Account No.:           
Current Balance: $5,824.83
Payment Due Date:              3/1/2006
Letter Code:                       

Dear

This letter is to confirm the settlement agreement regarding your existing account.  The payment terms we have agreed to are listed below:

Total Settlement Amount:                  $2,912.42
Due Date:                                         3/1/2006

After receiving your final payment, we will consider the account paid in full and the credit reporting agencies will be updated accordingly*.

If you have any questions, please feel free to contact me at

Please understand this is a communication from a debt collector.  This is an attempt to collect a debt.  Any information obtained will be used for that purpose.

Sincerely,

Midland Credit Management, Inc.

*Your credit report will not be updated if the federal reporting period has expired.

Please tear off and return lower portion with payment in envelope provided.
Settlement Certificate      
MCM Account Number:
Current Balance: $5,824.83  

Amount Due:   $2,912.42    

Make Check Payable to:  Midland Credit  Management, Inc. Midland Credit Management, Inc.
Department
Payment Due Date: 3/1/2006   Los Angeles, CA 90084-8870
       
As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a
credit-reporting agency if you fail to fulfill the terms of your credit obligations.