1. business and industrial
2. company
3. bankruptcy

May 15, 2015
May 15, 2015
Page 1 of 2
Date : 05/12/2015
Electronically Delivered
c/o:Howard Law, P.C.
RE:
Debtor:
Current Creditor:
Original Creditor:
Current Balance: $1,998.41
Account Number: XXXXXXXXXXX
Under the authority of
we are authorized to settle your
account
for $679.46, which is 34% of the balance owed. We agree to accept this settlement on the following terms:
The settlement terms we have agreed to are as follows:
Settlement Plan
Pay Date
05/15/2015
06/15/2015
07/15/2015
08/15/2015
09/15/2015
10/15/2015
11/15/2015
12/15/2015
01/15/2016
02/15/2016
03/15/2016
Amount
$25.00
$50.00
$50.00
$50.00
$78.00
$78.00
$78.00
$78.00
$78.00
$78.00
$36.46
Page 1 of 2
Upon receipt of the agreed amount, said account will be deemed satisfied, thereby relieving you of any further
obligation to us. In order to accept this agreement our office must receive the initial payment by 05/15/2015.
Please send this by overnight mail, using the following address :
This collection agency is licensed by the
Sincerely,
This letter is an attempt to collect a debt. Any information obtained will be used for that purpose.
CA
As required by law, 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.
CO
FOR INFORMATION ABOUT THE
IL
MA
FAIR DEBT COLLECTION PRACTICES ACT, SEE
licensed as
NOTICE OF IMPORTANT RIGHTS. YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE
CALLS REGARDING YOUR DEBT NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT. ANY SUCH ORAL
REQUEST WILL BE VALID FOR ONLY TEN DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST
POSTMARKED OR DELIVERED WITHIN SEVEN DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY
WRITING TO THE DEBT COLLECTOR.
NC
NE
We operate as
NY
TN
UT
As required by
law, 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.
Page 2 of 2
$26.56
5/15/15
50% in 2 pays
$254 for 5/15
$69 for 6/15
Ph
Fax
Date : 05/12/2015
RE: Outstanding account
Debtor:
Current Creditor:
Original Creditor:
Current Balance: $3,130.00
Account Number:
Our records indicate that you have an outstanding balance on the above mentioned account. Settlement amount
is $1,565.00.
is authorized to offer the following settlement on this account:
Settlement Plan
Pay Date
05/15/2015
06/15/2015
07/15/2015
08/15/2015
09/15/2015
10/15/2015
11/15/2015
12/15/2015
01/15/2016
02/15/2016
03/15/2016
04/15/2016
Amount
$146.00
$129.00
$129.00
$129.00
$129.00
$129.00
$129.00
$129.00
$129.00
$129.00
$129.00
$129.00
Payment must be received at the following address in the form of certified check or check by phone on or before
the due date listed above. Please include the account number and/or social security number on any forms of
payment.
Upon clearance through the banking system of the agreed upon amount, your account will be considered paid.
Once all payments have cleared through the banking system,
will notify the credit reporting
agencies to update the status of the account to “settled in full.”
Respectfully,
Vice President, Operations
This letter is an attempt to collect a debt. Any information obtained will be used for that purpose.
This settlement has been processed by
Page 1 of 1
MAY 13, 2015
AMOUNT REFERRED: $220.75
CURRENT BALANCE: $220.75
DEAR
,
THIS LETTER SERVES TO INFORM YOU
AGREES
TO ACCEPT $ 143.48 TO SETTLE THE BALANCE. WE ARE
NOT OBLIGATED TO RENEW THIS OFFER.
IF THE ACCOUNT IS PAID BY GUARANTEED FUNDS IT WILL BE CONSIDERED
SETTLED THE DAY THE PAYMENT IS RECEIVED. IF THE ACCOUNT
IS PAID BY CHECK THE ACCOUNT WILL NOT BE CONSIDERED SETTLED
UNTIL THE CHECK/ELECTRONIC DEBIT HAS CLEARED THE BANK (THIS
PROCESS CAN TAKE UP TO 30 DAYS).
SINCERELY,
COLLECTION DEPARTMENT
THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL
BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
Williamson & Howard, LLP
REPLY TO OUR MAILING ADDRESS
675 Anton Blvd
Costa Mesa, CA 92626
FINAL SETTLEMENT
May 13, 2015
CLIENT:
File Number:
(“Opponent”)
DEBT OWNER, LAW FIRM OR COLLECTION AGENCY:
(“Claimant”)
Account No:
Current Balance: 659.22
The opponent and owner of the debt, by and through their authorized agents, enter into this agreement made as a
compromise between the parties for the complete and final settlement of all claims, differences, and causes of
action in connection with the above-referenced account.
TERMS OF SETTLEMENT
In consideration of the mutual covenants set forth, the parties agree as follows:
A. Opponent agrees to pay to Claimant 330.00, to be paid as follows:
Confirmed in recording
Recording on file.
B. Claimant of the debt by and through its authorized agent releases and discharges Opponent from any and all
claims, demands, rights and causes of action arising from the above-described account. Within 45 days of receipt
of the final payment, Claimant agrees to have dismissed, with prejudice, any and all actions against Opponent, if
any are outstanding. .
C. Opponent agrees that all claims and demands that Opponent has or may have against Claimant with respect to
the above-described account shall be satisfied, discharged, and settled within 45 days of Opponent’s last payment.
D. Within one hundred and eighty (180) days of receiving the settlement payment in full, Claimant will update this
account in the Opponent’s credit files to reflect that Opponent’s account has been satisfied.
IN WITNESS WHEREOF, the parties hereto, as evidence of their agreement herewith, have affixed their signatures
below.
Williamson & Howard, LLP
By:
Recording on file/uploaded
Shane Coleman
Representative for Claimant
Bal
Setlmnt
Ok to pay by 5/15/2015
Due 05/15/15
Due 05/15/15
Date : 05/12/2015
Original Creditor:
Account # :
Original Balance: 1,517.43
Current balance : $1,517.43
Settlement Amount : $682.84
Congratulations on taking the first step to resolving this debt. This letter confirms our settlement arrangements on
your existing account balance of $1,517.43. The settlement terms we have agreed to are as follows:
Settlement Plan
Settlement Date
05/15/2015
Amount
$25.00
06/15/2015
$50.00
07/15/2015
$50.00
08/15/2015
$50.00
09/15/2015
$92.00
10/15/2015
$92.00
11/15/2015
$92.00
12/15/2015
$92.00
01/15/2016
$92.00
02/15/2016
$47.84
This settlement arrangement is made in good faith and is contingent upon payment of the total settlement
amount. After receiving your final payment we will consider the account PAID IN FULL and the three major credit
reporting agencies will be updated accordingly. *
If you have any questions, please fell free to contact me at
Please understand 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.
Sincerely,
*Your credit report will not be updated if the federal reporting period has expired.
Page 1 of 1
Howard Law, P.C.
675 Anton Boulevard
Costa Mesa, CA 92626
Date : 05/13/2015
Original Creditor:
Account # :
Original Balance: $315.00
Current balance : $315.00
Settlement Amount : $126.00
its authorized representative, has agreed, effective the date set forth above, that it
will accept the amount set forth above (“Settlement Amount”) as full and final settlement and satisfaction of all
the claims, differences, and causes of action with respect to the account listed above. Upon clearance through
the banking system of the final installment amount indicated below, the debt on the account will be considered
completely extinguished. Each payment must be received in
office no later than the close
of business day on the date indicated below. If payments are not received in the indicated amounts by the dates
indicated below, this Agreement will be null and void.
The settlement terms we have agreed to are as follows:
Settlement Plan
Settlement Date
05/16/2015
Amount
$126.00
On June 30, 2000, Congress enacted the Electronic Signatures in Global and National Commerce Act, to
facilitate the use of electronic records and signatures in interstate and foreign commerce by ensuring
the validity and legal effect of contracts entered into electronically. The Act went into effect in October
2000.
Howard Law, P.C. utilizes electronic agreements for the convenience of
By pressing the
accept button in the place reserved for your name you are providing a legally binding signature per the Electronic
in Global and National Commerce Act indicating your acceptance of the terms of this Agreement. This
Agreement will be saved in its entirety (including identifying headers and the IP from which the acceptance
occurred for tracking purposes.
Please contact us at
to discuss any questions you may have regarding this agreement.
Sincerely,
Howard Law, P.C.
By:
Vincent Howard
Page 1 of 1
May 15,2015
n 3
$105 for
$103 for
$103 for
pays
5/15
6/12
7/10
Howard Law, P.C.
675 Anton Boulevard
Costa Mesa, CA 92626
Date : 05/12/2015
Original Creditor:
Account # :
Original Balance: 382.50
Current balance : $382.50
Settlement Amount : $145.35
through its authorized representative, has agreed, effective the date set forth above, that
it will accept the amount set forth above (“Settlement Amount”) as full and final settlement and satisfaction of all
the claims, differences, and causes of action with respect to the account listed above. Upon clearance through the
banking system of the final installment amount indicated below, the debt on the account will be considered
completely extinguished. Each payment must be received in
office no later than the
close of business day on the date indicated below. If payments are not received in the indicated amounts by the
dates indicated below, this Agreement will be null and void.
The settlement terms we have agreed to are as follows:
Settlement Plan
Settlement Date
05/15/2015
Amount
$25.00
06/15/2015
$25.00
07/15/2015
$50.00
08/15/2015
$45.35
On June 30, 2000, Congress enacted the Electronic Signatures in Global and National Commerce Act, to
facilitate the use of electronic records and signatures in interstate and foreign commerce by ensuring the
validity and legal effect of contracts entered into electronically. The Act went into effect in October 2000.
Howard Law, P.C. utilizes electronic agreements for the convenience of
By pressing the
accept button in the place reserved for your name you are providing a legally binding signature per the Electronic in
Global and National Commerce Act indicating your acceptance of the terms of this Agreement. This Agreement
will be saved in its entirety (including identifying headers and the IP from which the acceptance occurred for
tracking purposes.
Please contact us at
to discuss any questions you may have regarding this agreement.
Sincerely,
Howard Law, P.C.
By:
Vincent Howard
Page 1 of 1
Williamson & Howard, LLP
675 Anton Blvd
Costa Mesa, CA 92626
Date : 05/13/2015
Original Creditor:
Account # :
Original Balance: 1,111.75
Current balance : $1,111.75
Settlement Amount : $422.47
through its authorized representative, has agreed, effective the date set forth above, that
it will accept the amount set forth above (“Settlement Amount”) as full and final settlement and satisfaction of all
the claims, differences, and causes of action with respect to the account listed above. Upon clearance through the
banking system of the final installment amount indicated below, the debt on the account will be considered
completely extinguished. Each payment must be received in
office no later than the
close of business day on the date indicated below. If payments are not received in the indicated amounts by the
dates indicated below, this Agreement will be null and void.
The settlement terms we have agreed to are as follows:
Settlement Plan
Settlement Date
05/16/2015
Amount
$297.24
06/16/2015
$125.23
On June 30, 2000, Congress enacted the Electronic Signatures in Global and National Commerce Act, to
facilitate the use of electronic records and signatures in interstate and foreign commerce by ensuring the
validity and legal effect of contracts entered into electronically. The Act went into effect in October 2000.
Williamson & Howard, LLP utilizes electronic agreements for the convenience of
By
pressing the accept button in the place reserved for your name you are providing a legally binding signature per the
Electronic in Global and National Commerce Act indicating your acceptance of the terms of this Agreement. This
Agreement will be saved in its entirety (including identifying headers and the IP from which the acceptance
occurred for tracking purposes.
Please contact us at
to discuss any questions you may have regarding this agreement.
Sincerely,
Williamson & Howard, LLP
By:
James E. Bowman
Page 1 of 1
The Law Offices of Keidra Phillips
Date : 05/14/2015
Original Creditor:
Account # :
Original Balance: $2,270,722.00
Current balance : $100.00
Settlement Amount : $40.00
This letter is to confirm that,
through its authorized representative, offered to
accept the amount set forth above (“Settlement Amount”) as full and final settlement and satisfaction of all the
claims, differences, and causes of action with respect to the account listed above. The payment terms of the
settlement offer are as listed below. Upon clearance through the banking system of the final installment amount
indicated below, the debt on the account will be considered completely extinguished. Each payment must be
received in
office no later than the close of business day on the date
indicated below. If payments are not received in the indicated amounts by the dates indicated below, this
settlement- will be null and void.
The proposed settlement terms are as follows:
Settlement Plan
Settlement Payment Date
05/15/2015
Amount
$40.00
On June 30, 2000, Congress enacted the Electronic Signatures in Global and National Commerce Act, to
facilitate the use of electronic records and signatures in interstate and foreign commerce by ensuring the
validity and legal effect of contracts entered into electronically. The Act went into effect in October 2000.
The Law Offices of Keidra Phillips utilizes electronic agreements for the convenience of
By your pressing the accept button in the place reserved for your name, you are providing a
legally binding signature per the Electronic in Global and National Commerce Act indicating your confirmation of
the terms of your offer. Your affirmation will be saved in its entirety (including identifying headers and the IP from
which the acceptance occurred for tracking purposes.
Please contact us at
to discuss any questions you may have regarding this letter.
Sincerely,
The Law Offices of Keidra Phillips
By:
Keidra Phillips
Page 1 of 1
50% in 1 pay
$1,179.22 for 5/15
Personal & Confidential
May 12, 2015
Original Balance: $1,207.02
Settlement Amount: $435.02
Original Creditor:
Account #:
Current balance: $1,208.39
Reference #:
Dear
This communication is in response to your recent inquiry concerning your above referenced account which has been
placed with our office for collection.
The creditor is willing to accept payment of $435.02 by way of the following payment arrangement(s) intended to settle
this account in full as detailed below:
Settlement Date
Amount
05/15/2015
06/15/2015
07/15/2015
08/15/2015
09/15/2015
10/15/2015
11/15/2015
12/15/2015
01/15/2016
02/15/2016
$25.00
$25.00
$25.00
$25.00
$25.00
$50.00
$50.00
$50.00
$108.00
$52.02
Please date your checks accordingly and make the same payable to
checks to the address listed below:
Please send the
Please note, if any of your checks contain an unacceptable restrictive endorsement or are returned unpaid by the bank for
any reason, your account will not be considered settled in full and this settlement offer will be withdrawn and creditor will
not be obligated to renew this offer.
If you have any questions regarding this account, please contact this office at the number(s) provided above.
Howard Law, P.C.
675 Anton Boulevard
Costa Mesa, CA 92626
Date : 05/13/2015
Original Creditor:
Account # :
Original Balance: $266.64
Current balance : $266.64
Settlement Amount : $106.66
through its authorized representative, has agreed, effective the date set forth above, that it
will accept the amount set forth above (“Settlement Amount”) as full and final settlement and satisfaction of all
the claims, differences, and causes of action with respect to the account listed above. Upon clearance through
the banking system of the final installment amount indicated below, the debt on the account will be considered
completely extinguished. Each payment must be received in
office no later than the close
of business day on the date indicated below. If payments are not received in the indicated amounts by the dates
indicated below, this Agreement will be null and void.
The settlement terms we have agreed to are as follows:
Settlement Plan
Settlement Date
05/16/2015
06/16/2015
07/16/2015
08/16/2015
Amount
$25.00
$25.00
$25.00
$31.66
On June 30, 2000, Congress enacted the Electronic Signatures in Global and National Commerce Act, to
facilitate the use of electronic records and signatures in interstate and foreign commerce by ensuring
the validity and legal effect of contracts entered into electronically. The Act went into effect in October
2000.
Howard Law, P.C. utilizes electronic agreements for the convenience of
By pressing the
accept button in the place reserved for your name you are providing a legally binding signature per the Electronic
in Global and National Commerce Act indicating your acceptance of the terms of this Agreement. This
Agreement will be saved in its entirety (including identifying headers and the IP from which the acceptance
occurred for tracking purposes.
Please contact us at
to discuss any questions you may have regarding this agreement.
Sincerely,
Howard Law, P.C.
By:
Vincent Howard
Page 1 of 1
Page 1 of 2
Date : 05/14/2015
Electronically Delivered
To:
c/o:Howard Law, P.C.
RE:
Debtor:
Current Creditor:
Original Creditor:
Current Balance: $2,913.82
Account Number:
Under the authority of
we are authorized to settle your
account
for $990.70, which is 34% of the balance owed. We agree to accept this settlement on the following terms:
The settlement terms we have agreed to are as follows:
Settlement Plan
Pay Date
05/17/2015
06/17/2015
07/17/2015
08/17/2015
09/17/2015
10/17/2015
11/17/2015
12/17/2015
Amount
$25.00
$50.00
$50.00
$50.00
$260.00
$260.00
$260.00
$35.70
Page 1 of 2
Upon receipt of the agreed amount, said account will be deemed satisfied, thereby relieving you of any further
obligation to us. In order to accept this agreement our office must receive the initial payment by 05/17/2015.
Please send this by overnight mail, using the following address :
This collection agency is licensed by the
Sincerely,
This letter is an attempt to collect a debt. Any information obtained will be used for that purpose.
CA
As required by law, 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.
CO
FOR INFORMATION ABOUT THE
IL
MA
FAIR DEBT COLLECTION PRACTICES ACT, SEE
licensed as
NOTICE OF IMPORTANT RIGHTS. YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE
CALLS REGARDING YOUR DEBT NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT. ANY SUCH ORAL
REQUEST WILL BE VALID FOR ONLY TEN DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST
POSTMARKED OR DELIVERED WITHIN SEVEN DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY
WRITING TO THE DEBT COLLECTOR.
NC
NE
We operate as
NY
TN
UT
As required by
law, 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.
Page 2 of 2
Ph
Fax
Date : 05/12/2015
RE: Outstanding account
Debtor:
Current Creditor:
Original Creditor:
Current Balance: $1,207.10
Account Number:
Our records indicate that you have an outstanding balance on the above mentioned account. Settlement amount
is $482.84.
is authorized to offer the following settlement on this account:
Settlement Plan
Pay Date
05/15/2015
06/15/2015
07/15/2015
08/15/2015
09/15/2015
10/15/2015
11/15/2015
12/15/2015
01/15/2016
02/15/2016
03/15/2016
Amount
$25.00
$25.00
$25.00
$25.00
$25.00
$50.00
$50.00
$50.00
$80.00
$80.00
$47.84
Payment must be received at the following address in the form of certified check or check by phone on or before
the due date listed above. Please include the account number and/or social security number on any forms of
payment.
Upon clearance through the banking system of the agreed upon amount, your account will be considered paid.
Once all payments have cleared through the banking system,
will notify the credit reporting
agencies to update the status of the account to “settled in full.”
Respectfully,
Vice President, Operations
This letter is an attempt to collect a debt. Any information obtained will be used for that purpose.
This settlement has been processed by
Nancy Quackenbush Attorney at Law
REPLY TO OUR MAILING ADDRESS
675 Anton Blvd
Costa Mesa, CA 92626
FINAL SETTLEMENT
April 24, 2015
CLIENT:
File Number:
(“Opponent”)
DEBT OWNER, LAW FIRM OR COLLECTION AGENCY:
Account No:
(“Claimant”)
Current Balance: 1369.39
The opponent and owner of the debt, by and through their authorized agents, enter into this agreement made as a
compromise between the parties for the complete and final settlement of all claims, differences, and causes of
action in connection with the above-referenced account.
TERMS OF SETTLEMENT
In consideration of the mutual covenants set forth, the parties agree as follows:
A. Opponent agrees to pay to Claimant 630.00, to be paid as follows:
$940.00 in 10 payments
3 x $50.00 (5/15/2015 - 7/15/2015)
5 x $87.00 (8/15/2015 - 12/15/2015)
1 x $45.00 (1/15/2016)
B. Claimant of the debt by and through its authorized agent releases and discharges Opponent from any and all
claims, demands, rights and causes of action arising from the above -described account. Within 45 days of receipt
of the final payment, Claimant agrees to have dismissed, with prejudice, any and all actions against Opponent, if
any are outstanding. .
C. Opponent agrees that all claims and demands that Opponent has or may have against Claimant with respect to
the above-described account shall be satisfied, discharged, and settled within 45 days of Opponent’s last payment.
D. Within one hundred and eighty (180) days of receiving the settlement payment in full, Claimant will update this
account in the Opponent’s credit files to reflect that Opponent’s account has been satisfied.
IN WITNESS WHEREOF, the parties hereto, as evidence of their agreement herewith, have affixed their signatures
below.
Nancy Quackenbush Attorney at Law
04/24/2015
By:
Nancy Quackenbush
Representative for Claimant
Your Client:
Creditor:
Account: XXXXXXXXXXX
May 4, 2015
Amount Due as of May 4, 2015: $1,815.01
Partial Account Number for Your Security
WILLIAM Gwaltney
William W. Gwaltney Attys At Law PLLC
675 Anton BLVD
Costa Mesa, CA 92626
SETTLEMENT!!!
Our client, the above named creditor, has agreed to accept your offer of 8 payment(s) totaling $636.00 as settlement for
monies owing on your client's account. Please make the check or money order payable to
The terms of
the agreement are:
Date
Amount
Date
Amount
Date
Amount
Date
Amount
05/15/2015
09/15/2015
$34.98
$85.86
06/15/2015
10/15/2015
$85.86
$85.86
07/15/2015
11/15/2015
$85.86
$85.86
08/15/2015
12/15/2015
$85.86
$85.86
This settlement offer is void if the agreed payments are not made as stated above.
Whenever $600.00 or more in principal of a debt is discharged as a result of settling a debt for less than the balance
owing, the creditor may be required to report the amount of the debt discharged to the Internal Revenue Service on a
1099C form, a copy of which would be mailed to you by the creditor. If you are uncertain of the legal or tax
consequences, we encourage you to consult your legal or tax advisor.
This communication is from a debt collector. We are required to inform you that this is an attempt to collect a debt, and
any information obtained will be used for this purpose.
Sincerely,
Your Client:
Creditor:
Account: XXXXXXXXXXX
Amount Due as of May 4, 2015: $1,815.01
Office Hours (all times Central)
Monday-Thursday: 8 AM to 9 PM ⦁ Friday: 8 AM to 4 PM
50% in 1 pay
$474 for 5/15
50% in 3 pays
$25 for 5/15
$110 for 6/12
$110 for 7/10
Howard Law, P.C.
675 Anton Boulevard
Costa Mesa, CA 92626
Date : 05/12/2015
Original Creditor:
Account # :
Original Balance: $197.47
Current balance : $197.47
Settlement Amount : $78.99
through its authorized representative, has agreed, effective the date set forth
above, that it will accept the amount set forth above (“Settlement Amount”) as full and final settlement and
satisfaction of all the claims, differences, and causes of action with respect to the account listed above. Upon
clearance through the banking system of the final installment amount indicated below, the debt on the account will
be considered completely extinguished. Each payment must be received in
office no later than the close of business day on the date indicated below. If payments are not received in the
indicated amounts by the dates indicated below, this Agreement will be null and void.
The settlement terms we have agreed to are as follows:
Settlement Plan
Settlement Date
05/15/2015
06/15/2015
Amount
$10.00
$68.99
On June 30, 2000, Congress enacted the Electronic Signatures in Global and National Commerce Act, to
facilitate the use of electronic records and signatures in interstate and foreign commerce by ensuring the
validity and legal effect of contracts entered into electronically. The Act went into effect in October 2000.
Howard Law, P.C. utilizes electronic agreements for the convenience of
By
pressing the accept button in the place reserved for your name you are providing a legally binding signature per the
Electronic in Global and National Commerce Act indicating your acceptance of the terms of this Agreement. This
Agreement will be saved in its entirety (including identifying headers and the IP from which the acceptance
occurred for tracking purposes.
Please contact us at
to discuss any questions you may have regarding this agreement.
Sincerely,
Howard Law, P.C.
By:
Vincent Howard
Page 1 of 1
Howard Law, P.C.
675 Anton Boulevard
Costa Mesa, CA 92626
Date : 05/12/2015
Original Creditor:
Account # :
Original Balance: $529.38
Current balance : $529.38
Settlement Amount : $264.69
through its authorized representative, has agreed, effective the date set forth
above, that it will accept the amount set forth above (“Settlement Amount”) as full and final settlement and
satisfaction of all the claims, differences, and causes of action with respect to the account listed above. Upon
clearance through the banking system of the final installment amount indicated below, the debt on the account will
be considered completely extinguished. Each payment must be received in
office no later than the
close of business day on the date indicated below. If payments are not received in the indicated amounts by the
dates indicated below, this Agreement will be null and void.
The settlement terms we have agreed to are as follows:
Settlement Plan
Settlement Date
05/15/2015
06/15/2015
07/15/2015
08/15/2015
09/15/2015
10/15/2015
11/15/2015
Amount
$5.00
$10.00
$50.00
$50.00
$50.00
$74.00
$25.69
On June 30, 2000, Congress enacted the Electronic Signatures in Global and National Commerce Act, to
facilitate the use of electronic records and signatures in interstate and foreign commerce by ensuring the
validity and legal effect of contracts entered into electronically. The Act went into effect in October 2000.
Howard Law, P.C. utilizes electronic agreements for the convenience of
By pressing the accept button
in the place reserved for your name you are providing a legally binding signature per the Electronic in Global and
National Commerce Act indicating your acceptance of the terms of this Agreement. This Agreement will be saved
in its entirety (including identifying headers and the IP from which the acceptance occurred for tracking purposes.
Please contact us at
to discuss any questions you may have regarding this agreement.
Sincerely,
Howard Law, P.C.
By:
Vincent Howard
Page 1 of 1
May 14, 2015
RE:
Our Client:
Our File Number
Original Creditor:
Original Account Number:
Current Balance:
xxxx-xxxx-xx
$8643.71
Dear
This letter is to confirm your recent telephone conversation with
regarding the above file. It has been
agreed that you will remit the settlement amount of $4388.00 to be received in this office in fourteen payments. The
first payment of $200.00 is to be received in this office on or before May 20, 2015, a payment of $100.00 is to be
received on or before June 20, 2015, a payment of $249.00 is to be received on or before July 20, 2015 and eleven
consecutive monthly payments of $349.00 are to be received on or before the 20th of each month beginning August
20, 2015 through and including June 20, 2016.Upon clearance of your payments, your file will be closed and
marked as “Settlement in Full.”
We agree not to proceed in any manner for so long as your payment is on time, and are in the full agreed upon
amounts. If you default we will do that which will best protect the interests of our client. You are advised, and
should clearly understand that in the event of default, any interest, attorney fees or other charges permissible under
the terms of any agreement signed by you, or applicable law, can be added. You should consult with your own
accountant or tax preparation software as to the tax consequences, if any, of this settlement.
Please make your check or money order payable to the
and
and be
sure to include your file number as shown above for proper credit. Please mail your payment to
unless you have already made an arrangement with your postdated
checks on file. A request for a receipt must be accompanied with a stamped, addressed envelope. You may
request a written statement not more than twice yearly, although feel free to call for a remaining balance
anytime.
Sincerely,
This communication is from a debt collector and is an attempt to collect a debt. Any information obtained
will be used for that purpose.
Balance: $1,780.96
Howard Law, P.C.
675 Anton Boulevard
Costa Mesa, CA 92626
Date : 05/13/2015
Original Creditor:
Account # :
Original Balance: $1,745.14
Current balance : $1,745.14
Settlement Amount : $872.57
through its authorized representative, has agreed, effective the date set forth
above, that it will accept the amount set forth above (“Settlement Amount”) as full and final settlement and
satisfaction of all the claims, differences, and causes of action with respect to the account listed above. Upon
clearance through the banking system of the final installment amount indicated below, the debt on the account will
be considered completely extinguished. Each payment must be received in
office no later than the
close of business day on the date indicated below. If payments are not received in the indicated amounts by the
dates indicated below, this Agreement will be null and void.
The settlement terms we have agreed to are as follows:
Settlement Plan
Settlement Date
05/16/2015
06/16/2015
07/16/2015
08/16/2015
09/16/2015
10/16/2015
11/16/2015
12/16/2015
01/16/2016
02/16/2016
03/16/2016
04/16/2016
05/16/2016
Amount
$50.00
$50.00
$50.00
$74.00
$74.00
$74.00
$74.00
$74.00
$74.00
$74.00
$74.00
$74.00
$56.57
Page 1 of 2
On June 30, 2000, Congress enacted the Electronic Signatures in Global and National Commerce Act, to
facilitate the use of electronic records and signatures in interstate and foreign commerce by ensuring the
validity and legal effect of contracts entered into electronically. The Act went into effect in October 2000.
Howard Law, P.C. utilizes electronic agreements for the convenience of
By pressing the accept button
in the place reserved for your name you are providing a legally binding signature per the Electronic in Global and
National Commerce Act indicating your acceptance of the terms of this Agreement. This Agreement will be saved
in its entirety (including identifying headers and the IP from which the acceptance occurred for tracking purposes.
Please contact us at
to discuss any questions you may have regarding this agreement.
Sincerely,
Howard Law, P.C.
By:
Vincent Howard
Page 2 of 2
The Law Offices of Keidra Phillips
Date : 05/12/2015
Original Creditor:
Account # :
Original Balance: $431.56
Current balance : $1,036.75
Settlement Amount : $466.54
through its authorized representative, has agreed, effective the date set forth above, that it will
accept the amount set forth above (“Settlement Amount”) as full and final settlement and satisfaction of all the
claims, differences, and causes of action with respect to the account listed above. Upon clearance through the
banking system of the final installment amount indicated below, the debt on the account will be considered
completely extinguished. Each payment must be received in
office no later than the close of
business day on the date indicated below. If payments are not received in the indicated amounts by the dates
indicated below, this Agreement will be null and void.
The settlement terms we have agreed to are as follows:
Settlement Plan
PayDate
05/15/2015
06/15/2015
07/15/2015
08/15/2015
09/15/2015
10/15/2015
Amount
$25.00
$25.00
$50.00
$50.00
$50.00
$266.54
On June 30, 2000, Congress enacted the Electronic Signatures in Global and National Commerce Act, to
facilitate the use of electronic records and signatures in interstate and foreign commerce by ensuring the
validity and legal effect of contracts entered into electronically. The Act went into effect in October 2000.
The Law Offices of Keidra Phillips utilizes electronic agreements for the convenience of
By
pressing the accept button in the place reserved for your name you are providing a legally binding signature per the
Electronic in Global and National Commerce Act indicating your acceptance of the terms of this Agreement. This
Agreement will be saved in its entirety (including identifying headers and the IP from which the acceptance
occurred for tracking purposes.
Please contact us at
to discuss any questions you may have regarding this agreement.
Sincerely,
The Law Offices of Keidra Phillips
By:
Keidra Phillips
Page 1 of 1
Phone:
Fax:
05/13/2015
RE: Outstanding account
Debtor:
Current Creditor:
Original Creditor:
Current balance: $551.25
Settlement Amount: $192.94
Account number:
Creditor
Dear
Our records indicate that you have an outstanding balance on the above mentioned account.
is willing to accept the following offer as a settlement on this account:
Settlement Plan
Settlement Date
Amount
05/16/2015
$25.00
06/16/2015
$25.00
07/16/2015
$25.00
08/16/2015
$25.00
09/16/2015
$25.00
10/16/2015
$67.94
Payment must be received at the following address on or before the due date listed above. Please include the
account number and/or social security number on any forms of payment.
Upon clearance through the banking system of the agreed upon amount, your account will be considered paid.
Once all payments have cleared through the banking system,
will notify the credit reporting
agencies, where applicable, to update the status of the account to “settled in full.” Please note that we are not
required to make this settlement offer to you in the future.
Respectfully,
This letter is an attempt to collect a debt. Any information obtained will be used for that purpose.
Hours of Operation (CST): Mon.-Thur. 10:00 AM - 8:00 PM, Fri 9;00 AM - 5:00 PM
Toll-Free
Local
Page 1 of 1
Phone:
Fax:
05/12/2015
RE: Outstanding account
Debtor:
Current Creditor:
Original Creditor:
Current balance: $1,902.87
Settlement Amount: $666.00
Account number:
Creditor
Dear
Our records indicate that you have an outstanding balance on the above mentioned account.
is willing to accept the following offer as a settlement on this account:
Settlement Plan
Settlement Date
Amount
05/15/2015
$25.00
06/15/2015
$25.00
07/15/2015
$25.00
08/15/2015
$25.00
09/15/2015
$25.00
10/15/2015
$25.00
11/15/2015
$25.00
12/15/2015
$25.00
01/15/2016
$50.00
02/15/2016
$50.00
03/15/2016
$50.00
04/15/2016
$248.00
05/15/2016
$68.00
Page 1 of 2
Payment must be received at the following address on or before the due date listed above. Please include the
account number and/or social security number on any forms of payment.
Upon clearance through the banking system of the agreed upon amount, your account will be considered paid.
Once all payments have cleared through the banking system,
will notify the credit reporting
agencies, where applicable, to update the status of the account to “settled in full.” Please note that we are not
required to make this settlement offer to you in the future.
Respectfully,
This letter is an attempt to collect a debt. Any information obtained will be used for that purpose.
Hours of Operation (CST): Mon.-Thur. 10:00 AM - 8:00 PM, Fri 9;00 AM - 5:00 PM
Toll-Free
Local
Page 2 of 2
Phone:
Fax:
05/13/2015
RE: Outstanding account
Debtor:
Current Creditor:
Original Creditor:
Current balance: $913.27
Settlement Amount: $319.64
Account number:
Creditor
Dear
Our records indicate that you have an outstanding balance on the above mentioned account.
is willing to accept the following offer as a settlement on this account:
Settlement Plan
Settlement Date
Amount
05/16/2015
$25.00
06/16/2015
$25.00
07/16/2015
$25.00
08/16/2015
$25.00
09/16/2015
$25.00
10/16/2015
$25.00
11/16/2015
$25.00
12/16/2015
$25.00
01/16/2016
$25.00
02/16/2016
$25.00
03/16/2016
$25.00
04/16/2016
$44.64
Page 1 of 2
Payment must be received at the following address on or before the due date listed above. Please include the
account number and/or social security number on any forms of payment.
Upon clearance through the banking system of the agreed upon amount, your account will be considered paid.
Once all payments have cleared through the banking system,
will notify the credit reporting
agencies, where applicable, to update the status of the account to “settled in full.” Please note that we are not
required to make this settlement offer to you in the future.
Respectfully,
This letter is an attempt to collect a debt. Any information obtained will be used for that purpose.
Hours of Operation (CST): Mon.-Thur. 10:00 AM - 8:00 PM, Fri 9;00 AM - 5:00 PM
Toll-Free
Local
Page 2 of 2
50% in 3
$233 for
$162 for
$162 for
pays
5/15
6/12
7/10