US Financial Management, Inc.

January 17, 2006


San Diego, CA 92171
   
Office Hours:
8:00am – 9:00pm   Monday-Thursday
8:00am – 5:00pm Fri
8:00am – 12:00pm Sat

 
Creditor:  American Express
Consumer:
Acct #:
Our Reference Number:
Balance to date: $1,788.35
Settlement Offer: $895.00

Dear :

Please be advised that American Express has forwarded the above-referenced account to our agency for collection.

American Express has agreed to offer you a settlement of $895.00 due by 01/17/06.  Upon receipt and clearance of said funds, American Express will be notified that the account is settled.

Please contact Bill Decker at EXTN: , if you have any questions.

***Please forward all payment/ documents to:              NCO Financial Systems, Inc.
                                                                                    Att: American Express Division
                                                                                   
                                                                                    Horsham, PA 19044

Sincerely,


NCO Financial Systems, Inc.
General Manager


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.

Calls to or from NCO Financial Systems, Inc. may be monitored or recorded for quality assurance.

As required by California Consumer Credit Reporting Agencies Act, 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.

The original creditor’s name and address is American Express Outside Agency,