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ACTUAL SETTLEMENT LETTER
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Bardstown, KY 30004-6781
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Creditors Interchange
80 Holtz Dr
Buffalo, NY 14225
RE: Arrow Financial Services LLC
Ref #: 
CI Acct #: 
Original Creditor: Chase Bank USA
Balance: $12665.43
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Dear ,
Creditors Interchange has been authorized by our client to settle your account for $6332.72 which is 50% of your current balance.
This settlement offer expired unless we receive your payment of $6332.72 due in our office no later than 4/4/06. While it is not required, it is recommended you remit your payment in certified funds via overnight mail to ensure timely receipt and processing by this office.
In the event your write-off balance exceeds $600.0, it may be your responsibility to claim that amount as earned income on your tax return for the following year. Your creditor may provide you with the necessary 1099C form and notify the IRS of the amount of the write-off balance.
If you should have any other questions relative to this settlement, our representative listed bellows is trained to offer assistance regarding this offer. Make your check or money order payable to Creditors Interchange.
Sincerely,
Sara Gullo
Collection Manager
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