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By the time your debt is referred to our firm, it is delinquent and due in full.  Moreover, it has been our experience that a single lump sum payment to resolve the debt is most beneficial to both you and the creditor. However, we recognize that in some instances such a resolution is simply not possible. In those cases, we need the detailed financial information requested below to properly consider and accurately determine an acceptable payment plan.

DEMOGRAPHICS:
FINANCIAL INFORMATION:
NOTICE: This communication is from a debt collector: