Timothy Snyder

Request to Cease Further Communication To Whom It May Concern, I have been receiving collection calls fromyour company seeking to collect on the above referenced account. Unfortunately, due to a significant financial hardship, I am unable to make any payments towards this debt at this time, nor do I have any assets that could be used to satisfy this account. I am, however, working diligently on a plan to resolve all of mydebts. Please accept this letter asmywritten request to cease all telephone calls,whether it be at my home, my workplace, my cell phone or any other means of communication you may use to attempt to reach me. I appreciate your understanding and I will contact you when I am in a position to resolve my account. Sincerely, From: To: Re:AccountNo.: Signature Name Date

• Table of ContentsSteps to SuccessTestimonialsUnderstanding Your AccountsImmediate Actions to Take
• Forms to CompleteInstructionsAuthorization to Communicate with Creditors & Collection AgenciesRequest to Cease Further CommunicationFinancial Hardship StatementSettlement ApprovalsDealing with Creditor and Collector Calls
• Phone Script for Creditors/Collector CallsFAQ’sYou’re on the Right PathLegal POA
• Steps to Success
• Let’s Begin
• The debt resolution process takes time as we negotiate and settle with each of your credi- tors
• It won’t be easy, but together we can successfully resolve your debt
• Here are some key steps in the program that you should understand:
• The time between enrollment and your optimal settlement, the single most important thing you must do, is make your scheduled deposits towards the dedicated trust account
• As the balance grows, UDS will begin negotiating with your creditors
• The sequence of creditors eligible for resolution are based on a variety of factors stemming from our years of experience through successfully negotiating settlements
• First Settlement
• The first settlement typically occurs within three to four months after starting the program
• The specific timing of your first settlement and the overall length of your program depends significantly on the amount of your monthly program deposit relative to the size of your enrolled debt
• If you would like to speed up the program, simply increase the amount of your monthly program deposit
• Remember, the more funds available the faster the process can be completed
• Settlement Acceptance
• Once we have successfully negotiated a settlement offer, we will reach out to you for your approval
• UDS will be contacting you via email and phone to go over the settlement terms
• Once you approve a settlement, the money in your Dedicated Account will be used to pay the agreed upon settlement amount to your creditor
• Graduation
• The key to the completion of our hardship program is to keep making your monthly program deposits on time
• After each settlement is properly concluded, funds will rebuild, and we will move on to your next creditor
• This process will replay until we resolve all of your enrolled debt
• At that point, your enrolled debt will have been successfully settled and you will graduate from the program!
• Communication is a key factor to the success of this program
• Steps to Success 3
• Step #1
• Step #2
• Step #3
• Step #4
• We Take Care of Our
• Clients
• We take care of our clients 4 “I can’t thank United Settlement enough for all the help!
• Everyone was so professional, and always quick to respond to my questions.” - Daryl Stuart, WV, Understanding Your Accounts
• Dedicated Account
• This is the account into which you make your program deposits
• It will hold the funds until enough has accumulated for our negotiations team to negotiate settlements on your behalf
• You control this account at all times
• When we have negotiated a settlement offer that you approve, the settlement amount gets paid to your creditor from this account
• Bank or Checking Account
• This is your personal bank or checking account that will be the source of funds for your Dedicated Account
• Make sure the amount you agreed to budget for your program deposit is available for transfer on the days specified in your con- tract
• Please note that it can take two days for these elec- tronic transfers to clear your account
• If you require a change to your program deposit, you must notify our Client Services
• Team at least five business days prior to your draft date by calling (888) 839-8638
• Enrolled Accounts
• These are your unsecured debts that you’ve enrolled in your debt resolution program for settlement
• It is important that you do not use these accounts while in the program, as it will affect our ability to reach favorable settlements on your behalf
• Immediate Actions 6
• Immediate Actions to Take
• To get your personal program initiated effectively, there are a few immediate actions you must take
• To Return to Us:, @unitedsettlement.com
• Action #1
• Action #2
• Authorization to Communicate with
• Creditors and Collection Agencies (page 8)
• This form gives us the authority to negotiate and communicate with your creditors on your behalf
• Please send this form back to us immediately so that we can begin working on your behalf right away
• To do: Send this form to United
• Request to Cease Further
• Communication (page 10 )
• This letter helps address collection calls that you may receive
• We only send this document to collectors as needed and when requested by you
• To do: Send this form to United
• Financial Hardship Statement (pages 11, 12)
• This information supports our efforts to obtain favorable settlements for you
• To do: Send this form to United
• Action #3
• THE ENCLOSED DOCUMENTS ARE
• CRITICALIN OUR EFFORTS TO SERVE
• YOU
• AS SOON AS WE RECEIVE THE
• DOCUMENTS MENTIONED ABOVE, WE
• CAN BEGIN WORKING ON YOUR
• PROGRAM
• United Settlement, LLC.Attn
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• Instructions 7
• INSTRUCTIONS FOR:
• Authorization to Communicate with Creditors and Collection
• Agencies
• This form gives United Settlement the permission to communicate with your creditors and collection agencies and to negotiate your debts
• While we received an e-signed version of this document with your signed Client Agreement, some creditors prefer to receive a copy with your signature on it
• Please return this form to us
• Authorization 8
• Authorization to Communicate with Creditors and Collection
• Agencies
• I authorize United Debt Settlement, LLC including its agents and representatives, to take the following actions: Communicate with my/our creditors, including but not limited to any agent, representative or third party collection agency or law firm, and discuss all details of my/our financial situation, all for negotiating settlements of my/our debt obligations; and Obtain records, debt validations, credit reports and support for the debts allegedly owed on my behalf
• The recipient of this Authorization, whether by original, photo copy, facsimile or electronic copy, is specifically authorized and instructed by the undersigned party to contact, or receive communications from, United Debt Settlement or its employees regarding any of the purposes listed herein
• Signature Printed Name Social Security # Date
• Co-Client Signature Printed Name Social Security # Date
• Request to cease further communication
• INSTRUCTIONS FOR:
• Request to Cease Further Communication
• This letter may help address collection calls if you receive them
• We only send this document to your collectors if needed and if requested by you
• Note: you may receive phone calls or mailings from your creditors or from collections attorneys representing creditors
• Keep in mind this is a natural part of the debt settlement process
• If collector calls cannot be handled with our suggested script on page 16, or if they become disruptive, please do not hesitate to contact our Client Services Team at (888) 839-8638
• DO NOT fill out the top portion of this page!
• Please return this form to us
• Sign and print your name
• DO NOT DATE
• Request to cease further communication Financial Hardship 11
• Please fill in required fields to help establish your hardship
• Financial Hardship Statement
• HARDSHIP ACKNOWLEDGMENT
• Reason for Hardship: _______ Loss of Cash Flow _______ Increased Costs _______ Reduction in Reimbursements (Insurance, Etc.) _______ Overextended on Obligations _______ Tax Indebtedness _______ Economic Downturn _______ Damage to Property _______ Illness / Health Problems _______ Other
• Hardship Statement:
• Unforeseen financial difficulties have resulted in me being unable to meet its financial obligations at this time
• While I cannot state with certainty the duration of this hardship, outstanding and excess payment obligations have put our me at risk of imminent failure
• I apologize and truly desire to reach a mutually beneficial resolution with each of our creditors
• However, these circumstances have necessitated me seeking of legal counsel and advice, in order to protect the solvency and ultimate future of my family
• I am currently considering all legal and non-legal options, including alternate repayment terms and changes, in dealing with this hardship
• Signature:
• Title:
• Date:
• Financial Hardship
• Statement
• Financial Hardship Statement
• Revenue:
• Gross Sales
• Less:Sales Returns and Allowances
• Net Sales
• Cost of Goods Sold:
• Beginning Inventory
• Add: Purchases
• Freight-in
• Direct Labor
• Indirect Expenses
• Less:Ending Inventory
• Cost of Goods Sold
• Gross Profit (Loss)
• Expenses:
• Advertising
• Amortization
• Bad Debts
• Bank Charges, Settlement Approvals 13
• Settlement Approvals
• Our team will work hard to negotiate the best settlements possible for you
• We rely heavily on our past experience with your specific creditors and on our hard-earned understanding of how to negotiate accounts like yours
• We will pursue a negotiation strategy that aims to deliver you significant debt reduction
• Remember, we’ve helped over 1,000 people like you resolve over $50 million of debt
• All of that experience informs the strategy we use on your behalf
• When United Settlement successfully negotiates a settlement offer on one of your accounts, we will contact you with the good news and ask you to approve the settlement
• Please respond quickly so we can ensure we lock in the debt reduction opportunity for you
• Email
• We will email you at the email address we have on record, and you can simply reply to our email indicating your approval
• Any instructions from you, whether communicated verbally, in writing, or electronically, via email, fax, text message to accept or pay a settlement, will constitute your ratification of, and consent to, any settlement negotiated on your behalf
• Your approval allows your account provider to schedule and submit the agreed settlement payment(s) from your dedicated account on your behalf, so you don’t need to worry about a thing
• If you have any questions about any notifications you get from us or about how this process will work, please contact Client Services Team at (888) 839-8638 or email us at cs@unitedsettlement.com
• Dealing with Creditors 14
• Dealing with Creditor and
• Collector Calls
• Creditors and collectors may attempt to contact you while enrolled in the United Settlement
• Program in effort to collect on your past due accounts
• They believe contacting you directly will result in collecting more money
• Although we cannot guarantee that we can stop all calls, there are things that we can do together to minimize them
• One of the first things that we do for you is to send the Authorization to Communicate Letter, on page 9 to specific creditors on your Enrolled Accounts known to work with us directly
• This establishes us as their primary contact, which may help to reduce collection calls to you
• If you do speak with a creditor or collec tor, be polite but remember to be very careful because any information you give them could be used against you in the negotiation process
• Be sure NOT to mention any details about making monthly deposits into your Dedicated
• Account or anything about your financial situation
• Typically, collection activity in the beginning of this program is unproductive for the creditor, for us and for you
• Since funds have yet to accumulate in your Dedicated Account, and since your creditor may be less willing to agree to settle early in the program, it might be too soon to negotiate anything appealing
• If they contact you, please use the script found on page 16
• Collectors can be very effective at getting you to speak with them – it is not personal for them, it is their job
• It is important to stay with the script provided for you on the following page
• Use of this script can support our negotiation process with your creditors and collectors
• If they won’t get off the phone, or if they keep calling, remember that you have the right to simply hang up on them - you are not obligated to speak to them
• False statements from collectors that we have heard in the past include:
• We never settle for less than full value on our accounts"
• We have not received any correspondence from anyone about your account"
• We have not received any correspondence from anyone about your account ”
• These statements are made to persuade you to make any sort of payment to either the creditor or to the debit collection agency – do not fall victim to these scare tactics
• All creditor communication should be directed to our offices
• If you ever have any questions or concerns, please call us at (888) 839-8638 or contact us via email at cs@unitedsettlement.com
• Phone Script 15
• Phone Script for
• Creditor/Collector Calls
• Typical call:
• Get their information
• End the Call
• End the Call
• Calls at Work
• YOU Creditor/Collector
• May I speak with (your Name)
• Hello
• May I ask what this is regarding?
• What is your name?
• What is your phone number and extension?
• What creditor do you represent?
• A past due account
• My name is (collectors name)
• My contact information is (phone number - Ext)
• I am calling on behalf of (creditor)
• FAQ’s Continued
• Phone Script for Creditor/Collector Calls
• Typical call:
• Get their information
• You Creditor/Collector
• For original creditors: Forallothercollectors:
• End the call
• Original creditors: This is a company that gave you the loan or credit
• Collectors: This is a third- party company that original creditors may use to recover delinquent debts
• Calls at work:
• End the call
• FAQ’s Continued
• Phone Script for Creditor/Collector Calls
• Typical call:
• Get their information
• You Creditor/Collector
• For original creditors: Forallothercollectors:
• End the call
• Original creditors: This is a company that gave you the loan or credit
• Collectors: This is a third- party company that original creditors may use to recover delinquent debts
• Calls at work:
• End the call
• Original creditors: This is a company that gave you the loan or credit
• Collectors: This is a third- party company that original creditors may use to recover delinquent debts
• FAQ’s 16
• FAQ’s
• What does this process do to my credit?
• How is your credit now
• Chances are since you are considering debt negotiation your credit worthiness is already in trouble or shows serious delinquency
• At this point, by using the
• United Settlement debt restructuring service we will be improving your credit rating by working towards paying off the delinquent debt
• What kind of relationship will I have with my creditors after debt negotiation?
• Most businesses will not turn down cash at the door
• You should be able to do business with them on a COD basis
• By taking control of your payables and showing that you are putting forth efforts to reach a mutual payment resolution over time gives you their respect
• In time, you will begin to earn their trust back and you may even be able to get back on open credit
• What do they (creditors) think about me if I do this?
• Most of the time, a creditor sees the involvement of a third-party debt restructuring company as a positive
• Usually the debt is quite past due when we get involved and the creditor has exhausted their efforts to get a response
• Our account executives are always available to take calls from the creditors and provide a clear explanation of our client's financial situation; the creditor accepts a reasonable settlement that represents a win-win situation for all
• How can I stop the harassing phone calls from creditors?
• Upon assignment of your creditor claims, through a Power of Attorney, United Settlement will contact each creditor or their representative and advise them of our involvement
• The creditors then understand they must work through United Settlement for resolution of the debt
• How can I keep my important vendors?
• By giving us your unwanted payables, we can successfully reduce your debt, and relieve cash flow to apply to your critical vendors
• If your important vendors are working with you, then you do not need to turn them over to us
• However, if they have refused further credit we can negotiate the debt while you continue to buy product on COD or CIA basis
• When will you settle my first Enrolled Account?
• Typically, the first settlement offer is reached within two to four months from the date of enrollment
• However, each program is unique and a first settlement could happen before or after this typical range
• FAQ’s Continued 17
• Have you started making monthly payments to my creditors yet?
• United Settlement does not make monthly payments to your creditors
• Our goal is to negotiate with your creditors to reach an optimal settlement
• Once a settlement payment, money from your dedicated account will be disbursed accordingly
• How can I update my personal contact information?
• To change your personal contact information, please call in to Client Services at (888)8638
• Or email us at cs@UnitedSettlement.com
• How do I add additional funds to expedite the process and graduate early?
• You can increase your monthly program deposit or make an additional one-off program deposit with your client services team
• Remember there is no penalty for finishing your program early
• How do I add an additional creditor to the program?
• If you would like to add an account to the program you should submit a request in writing along with a copy of an account statement either by email to cs@unitedsettlement.com or fax at (866).356.1887
• What if a creditor makes a settlement offer?
• If you receive an offer over the phone from one of your creditors, always ask them to send you the offer in writing
• Once you receive that offer, you can email it to cs@unitedsettlement.com
• It is always suggested that you call Client Services at (888) 839- 8638 and confirm it was received within 24 hours after its sent
• We will be able to use that information to help with the negotiation process on all accounts
• What if I am receiving calls from a creditor on an account that has already been resolved?
• If you receive calls from a creditor about an account that has already been resolved, please call our offices with the name and contact information of the collecting party
• United
• Settlement will be able to assist you, should this situation arise
• What if I miss a program deposit?
• When you miss a program deposit, it can prolong the program, increase the chances of a creditor sending your debt to a law firm, and if you have a structured settlement in place with a creditor, that settlement could be deemed null or void
• Making your monthly program deposit is the most critical thing that you can do to help ensure the success of this program
• FAQ’s Continued 18
• Why shouldn’t I just file for bankruptcy?
• The United Settlement plan provides one of the key benefits of Chapter 11, the elimination of harassing creditor calls, without the cost of bankruptcy
• Bankruptcy should always be a last recourse option if all else fails
• How much will debt negotiation cost me?
• There is a small administrative fee and retainer upon engagement
• United Settlement works on a results oriented basis
• Our fees are based on a percentage of what we save you
• Your total cost will be less than what you currently owe
• In 20 years of debt reduction, our clients have saved an average of 40% of the debt that was assigned to us, and that’s including our fees! The more we save you the greater our fee
• Knowing this, you can be assured that we will get you the best settlement possible in keeping with the financial capabilities you provide
• What if a creditor refuses to settle and sues me?
• We are 95% successful in achieving a reduction in negotiating with creditors
• However, in some situations creditors or their attorneys will not negotiate a reduction
• In these cases, we negotiate a payout plan within our client’s financial capabilities
• Full payment plans are only done with our client’s pre-approval or request
• How are you paid?
• Our fees are performance based and due upon settlement, not before
• Why can’t I negotiate with my creditors on my own?
• Dealing directly with your creditors on past due debt is very emotional
• A commercial debt management program removes the emotion and is the best way to get you out of debt with creditors quicker and more efficiently than if you attempted to do this on your own
• Creditors prefer to deal with debt management professionals to be certain that the business has a plan in place to restore their financial stability
• United Settlement’s debt management program is geared toward creditors rather than litigation and bankruptcy, this compels creditors to agree to waiving fees such as, late fees, over limit fees and interest charges
• United Settlement will protect your assets and work closely with creditors to come to a realistic agreement to prevent litigation
• The average United Debt Settlement client enrolls approx
• 45,000 in bad debt with an average annual interest rate of 45%
• The average payment towards a $45,000 debt with a rate is approx
• 9,600 with a seven-month average term
• The UDS program allows the individual to reduce their monthly expense by almost 75% at the same time lifting cash flow and allowing the person or business to breathe
• The client will see an average savings of
• Your on the Right Path 19
• You’re on the Right Path