Here Sharon, maybe this debt consolidation information will help you get your finances together, otherwise you might have to move back to the central neighborhood.

We are not a direct loan company. This is not -for a loan. We cut your by consolidating -your unsecured bills, where a loan would not -get you out of , but dig your hole even -deeper.

-There is a FREE $10.00 Calling Card at the end of this message.

-     No Credit Check Needed. -     No Collateral Needed. -     Bankruptcy and bad credit ok.

-     Not Bankruptcy or New Credit Report Scam. This program is offered thru a -     company that has been in biz for over 4 years and over 10,000 satisfied clients behind -     it. -              To obtain your consolidation, please call: -                  Chris Logan 1-800-769-0975 ext. 11

-             CONSOLIDATION LOAN PROGRAM

-NEED TO YOUR UNSECURED BILLS? Are you one of thousands with -no credit and no collateral to help secure approval, or you just have extremely bad credit -and no one wants to help you, and all you hear is stories and more stories? -   NO COLLATERAL AND NO CREDIT CHECK!!!!!!!!!

----Turn around time is minimal. We are experienced and are determined to give you the -best possible service. All information is strictly confidential. Program has been offered for

-over 4 years and has over 10,000 satisfied customers. Experienced staff of knowledgeable -specialists assure that all accounts are processed in a timely, accurate manner, and are in -communication with the nations leading creditors.

-BILL CONSOLIDATION. There is NO CREDIT CHECK for this program. You can be -approved for this program even if you have credit problems- including bankruptcy. No -co-signers. No collateral. Virtually everyone is qualified, since there is a program to fit -nearly everyone's needs.

-Through this unique program you will find it easy to obtain a consolidation of all your bills -into one monthly payment! If you have not yet established credit, have late payments, -charge- offs, repossessions, judgments, liens, prior bankruptcy, or have been turned down -previously for the cash or credit you needed --then this program is for you.

-To obtain your consolidation, please call: -Chris Logan 1-800-769-0975 ext. 11

-   SAMPLE PROGRAM INFORMATION -The goal of the program is to restructure your . We make it easier and more -affordable for you to pay your monthly unsecured bills (credit cards, personal loans, -student loans and medical bills, etc.)

-SHORT TERM BENEFITS: -1. You will have one single payment per month, we issue the payment directly to creditors.

-2. We will attempt to lower your monthly payments, enabling you to afford paying your -bills each month. -3. We assist you in stopping creditor harassment. -4. We recommend closing your accounts and work towards lowering your to income -ratio.

-To be eligible for the buy-out of one or more high interest debts we have a 6-12 month -probationary period during which you must qualify for the Probationary Review.*

-This tell us .. -1. You are being responsible to your creditors -2. You are financially able to make reduced monthly payments. -3. Your monthly payments are being received

-If you meet the Probationary Review* qualifications, you will be reviewed. If it is -determined that you are eligible for the buy-out, then one or more high interest -accounts will be bought out. These accounts will be closed..

-LONG TERM BENEFITS: -1-4 short term benefits -5. Bought out account balances are brought to zero -6. You will get a more reasonable interest rate on bought out accounts, up to 20% less -7. You will start to re-establish your credit rating because bought-out account balances -will show zero. Your credit rating will be rehabilitated while you are paying loan to us -because we will report to the credit bureaus when you are current in your payments.

-If and when you qualify for the buy-out. Accounts will be purchased that are most -beneficial to you. This means accounts with the highest interest rates.

-To obtain your consolidation, please call: -Chris Logan 1-800-769-0975 ext. 11

-YES, Through this unique program you can get the YOU NEED!! If -you have credit problems, then this program is designed just for you! Your chances are -excellent for approval. We operate entirely by mail. Call today to get started. -  NOW YOU CAN GET A BILL CONSOLIDATION -          EVEN IF YOU HAVE BAD CREDIT!

-Do you need to bills, lower monthly payments, cut interest payments, or any -other worthwhile purpose for a consolidation? Are you unable to get approval because a -problem with your credit record has caused banks to turn you down in the past? If you have -a credit problem, then we can help! This letter is your invitation to participate in our -" CONSOLIDATION LOAN PROGRAM."

-At "PEOPLES CREDIT SERVICES" we understand if you have had problems with credit -and believe you deserve a second chance! Credit is a necessity in todays society--no one -plans to get bad credit. It is usually an unexpected event that triggers the fall, such as a -family break-up, lay-off from work, medical problems, or just simply letting your bills get

-away from you. It takes years to build up good credit but only a couple missed payments to -destroy your credit rating. Once you have left the circle of good credit, nobody wants to -give you another chance. You may be a quality person with a steady job and a bright future -but are the victim of the "DENIAL" mentality of many lenders that prohibits you from -getting help you need when you need it most. But now you no longer have to take "NO" -for an answer!

-PEOPLES CREDIT SERVICES was founded to-provide assistance to individuals with -credit problems. We feel that a negative credit history should not stand in the way from you -receiving help you need--even if you have late payments, charge-offs, repossessions, or -have been recently turned down. You see, we've discovered a surprising fact: Individuals -will credit problems are more likely to fulfill new obligations because they appreciate the -second chance that they worked hard for, and want to put their negative experience behind -them. They want to re-establish good credit and start fresh. At "P.C.S." we want to -maintain a helpful relationship with you--We don't view our clients as account numbers.

-To obtain your consolidation, please call: -Chris Logan 1-800-769-0975 ext. 11

-Probationary Period Review: -1. You must be a collection payment program member for at least six months. -2. Your payments must be received in our office on or before the due date. -3. Your payments must be in the form of a money order, personal checks are not excepted. -4. You can not have applied for or had existing credit extended during this probationary -period. -5. Your employment status at the time of the review and buy-out must equal to or be -greater than your status at the start of the program. -6. Your income must be verified by you employer and W2 form. If you are self employed -you must provide your most recent tax return. -7. You must have references of four relatives who can verify your address, phone number, -employment phone number, at least 30 days prior to the change. -8. You must notify us of any changes in address, phone number, employment phone -prior to change. -9. You must comply with any requests for further information.

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