Please click on the “click here to read letter” to see actual settlement letters. CREDITORS starting new amount % paid of original HFC $24,090 $9000 37% Click here to read letter Citibank $16,092 $4023 25% Click here to read letter Citi Corp $25,253 $7600 30% Click here to read letter AM Express $14,391 $2900 20% Click here to read letter Bank of America $4,137 $1746 42% Click here to read letter Bank of America $19,185 $7675 40% Click here to read letter Navy Federal CU $13,520 $5408 40% Click here to read letter Bank of America $23,843 $7950 33% Click here to read letter Benificial (HSBC) $17,923 $4960 40% Click here to read letter Citibank $12,273 $4960 40% Click here to read letter Cash Call $10,929 $3290 30% Click here to read letter Bank of America $22,181 $6655 30% Click here to read letter Swift Financial $33,852 $11500 34% Click here to read letter Well Fargo $17,852 $1150 35% Click here to read letter Bank of America $12,216 $1860 15% Click here to read letter Bank of America $26,673 $6100 23% Click here to read letter Bank of America $32,283 $12913 40% Click here to read letter Capitol One $1622 $573 35% Click here to read letter Discover $3949 $1580 40% Click here to read letter HSBC $936 $375 40% Click here to read letter Chase $9080 $3400 37% Click here to read letter Chase $7892 $3000 38% Click here to read letter Chase $4448 $1335 30% Click here to read letter Capitol One $4825 $2485 52% Click here to read letter HSBC $2672 $923 35% Click here to read letter Am Express $8340 $2502 30% Click here to read letter Barclays $1447 $652 45% Click here to read letter Capitol One $980 $491 50% Click here to read letter