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.

January 4, 2006

P.O. Box 8003
Hilliard, OH 43026-8003

<Removed for Privacy Reasons>
P.O. Box 712679
San Diego, CA 92171-2679

Re: Discover Card Account<Removed for Privacy Reasons>
Current Balance:  $5,472.81

Dear <Removed for Privacy Reasons>

We have been authorized to offer you the opportunity to settle your account.

A settlement of 55% on your current balance has been approved.  This one-time payment of $3,000.00 must post on your account via Telephone Check by January, 20, 2006 for this settlement offer to be valid.

Upon receipt of your payment, an update will be sent to the major credit reporting agencies informing them that this account has been settled in full for less than the full balance.

If you have any further questions, please contact our office at <Removed for Privacy Reasons>

Sincerely,

<Removed for Privacy Reasons>
Account Manager

This is an attempt to collect a debt and any information obtained may be used for that purpose.