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

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.

We have the following convenient payment options available for you:

Electronic Payment                             Wire Payment Address                      Overnight Address (FedEx, UPS)
Provide your Checking                       ABA #021000021                 Cardmember Service
Account information over                  Cardmember Service                            2500 Westfield Dr.
the phone, free of charge by              3 Cristina Centre                                   Elgin, IL 60123
calling 1-877-255-9121                         201 N. Walnut Street                          
                                                                Wilmington, DE 19801

                                                                Regular Payment Address
                                                                Cardmember Service
                                                                P.O. Box 94014

Please call us toll free at 1-877-255-9121 if you have any questions about your settlement agreement.  We look forward to settling your account.

Sincerely,

Claudia Chavez
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.