PURSUANT YO YOUR AGREEMENT, THIS LETTER IS TO CONFIRM THAT THE ABOVE CREDITOR WILL ACCEPT THE AMOUNT OF $2695.00 AS SETTLEMENT PF THE ABOVE ACCOUNT IF PAYMENT IS RECEIVED BY 01/30/09.

IF MORE THAN $600 OF YOUR DEBT IS CANCELED BY THIS SETTLEMENT, PLEASE BE ADVISED THAT BANK OF AMERICA IS REQURED BY FEDERAL LAW (INTERNAL REVENUE SECTION 6050P) TO REPORT THIS AMOUNT. YOU WILL BE RECEIVING A FORM 1099-C FROM BANK OF AMERICA NO LATER THAN NEXT JANUARY 31ST. IF YOU HAVE ANY QUESTIONS CONCERNING YOUR PERSONAL TAXES, WE RECOMMEND THAT YOU CONSULT A CERTIFIED PUBLIC ACCOUNTANT OR OTHER TAX PROFESSIONAL.

PHYSICAL ADDRESS:
NCO FINANCIAL SYSTEMS, INC.
507 PRUDENTIAL ROAD
HORSHAM PA 19044

CALL TO OR FROM THIS COMPANY MAY BE MONITORED OR RECORDED FOR QUALITY ASSURANCE.

THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS IS A COMMUNICATION FROM A DEBT COLLECTOR.

ADDR: 507 PRUDENTIAL ROAD, HORSHAM, PA 19044

SHOULD YOU CHOOSE NOT TO ACCEPT THIS OFFER, YOUR ACCOUNT BALANCE MAY BE PERIODICALLY INCREASED DUE TO THE ADDITION OF ACCURED INTEREST OR OTHER CHARGES AS PROVIDED IN YOUR AGREEMENT WITH THE ORIGINAL CREDITOR OR AS OTHERWISE PROVIDED BY STATE LAW.

FORM 51