This letter confirms our agreement to accept $1,181.68  as settlement in full on the above account if the full settlement amount is received prior to the close of business on Thursday, March 27, 2008 and the check presented for payment clears the appropriate bank.

Sincerely,

Central Credit Services, Inc.

The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse about your debt. Collectors may contact other person to confirm your location or enforce a judgment, For more Information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov.

This communication if from a debt collector. This is an attempt to collect a debt and any information obtained shall be used for that purpose.

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