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Subject: RE: Program Overview and Potential Savings
Date: Sat, 2 Dec 2023 10:32:27 -0600
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Hi Festim,

I need more information on federal tax implications of this program.  Is the
"forgiven" amount taxed? From what I have read in most cases this amount is
taxed.  Please forward any information you may have in this regard.

Richard Cruz

From: Festim Naci <festim.naci@nationaldebtrelief.com> 
Sent: Thursday, November 30, 2023 11:47 AM
To: rcruz@sapasequipment.com
Subject: Program Overview and Potential Savings

<https://www.nationaldebtrelief.com/>

<https://debtrelief.my.salesforce.com/servlet/servlet.ImageServer?id=0151H00
0005YJ4OQAW&oid=00DA0000000BWEi>

<tel:800-300-9550> 800-300-9550

<https://pixel.app.returnpath.net/pixel.gif?r=4893b0ad92834501ed08646435c380
69b996a386>

Based on your total debt of $61,578.00, you may qualify for an estimated 44
month program with a monthly deposit of roughly $1,046.00 per month. There
are no prepayment penalties so you can always add additional funds to speed
up the program and become debt-free even faster.

How National Debt Relief Works

Once you enroll, your monthly payment drafts into an FDIC-insured savings
account, which is established in your name. As the funds in your dedicated
savings account accumulate, our team of professional debt negotiators
contact your creditors and work out agreements to reduce your balances to a
fraction of what you currently owe.

Below is the list of the enrolled creditors:

Creditor Name

Original Balance

AMEX

$889.00

AMEX

$607.00

business debt

$45,000.00

CBNA

$1,067.00

CITICARDS CBNA

$2,071.00

DISCOVER BANK

$6,503.00

SYNCB/CAR CARE DISC TI

$1,274.00

WELLS FARGO BANK

$4,167.00

Please let me know if you have any questions or want to discuss this
further. You can reach me at  <tel:800-300-9550> 800-300-9550 extension
9110. I look forward to speaking with you.

Sincerely,

Festim Naci
Debt Specialist
National Debt Relief
Office  <tel:800-300-9550> 800-300-9550 ext.9110
Fax  <tel:646-572-9115> 646-572-9115

<https://www.bbb.org/new-york-city/business-reviews/credit-and-debt-counseli
ng/national-debt-relief-llc-in-new-york-ny-110899/#bbbonlineclick>

<http://debt-settlement-review.toptenreviews.com/>

<http://www.topconsumerreviews.com/debt-relief-programs/>

<http://members.americanfaircreditcouncil.org/list/national-debt-relief-llc/
>

<https://www.trustpilot.com/review/www.nationaldebtrelief.com?teaID=02f9c485
-82a8-47d1-aec0-cd8a26792506>

National Debt Relief

PO Box 2011

New York, NY 10272

<https://www.facebook.com/NationalDebtReliefGroup>

<https://twitter.com/nationalrelief_>

<https://www.instagram.com/nationaldebtrelief/>

<https://www.pinterest.com/NationalRelief/>

<https://www.linkedin.com/company/national-debt-relief-group>

<https://u6571875.ct.sendgrid.net/wf/open?upn=F1eym0zSr6MdEX-2Bg0itlmRzPlrX6
XBwwYa-2Fyi4w-2BHBm5EsUYaDhRrMSNG-2BKwx2WLB-2B4QxPqRrhzPBDjMYxo-2FpBp4Ux-2F8
nKE9-2FFQVe1wefSZSQHHsxVWpZBEQc68Iu9Cam65u0WbDLBry33zi102kt6pY-2F3P7Vs-2F5bc
Qw2jQZm7ajqjOrf4r0C0pgqxtlkzzozR-2FDy-2Bc2qPSfwREgZ6opX3i-2BtKvAWMbL8-2FA5Ou
G-2Fx1Y-3D>

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<html xmlns:v=3D"urn:schemas-microsoft-com:vml" =
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xmlns:w=3D"urn:schemas-microsoft-com:office:word" =
xmlns:m=3D"http://schemas.microsoft.com/office/2004/12/omml" =
xmlns=3D"http://www.w3.org/TR/REC-html40"><head><meta =
http-equiv=3DContent-Type content=3D"text/html; =
charset=3Dus-ascii"><meta name=3DGenerator content=3D"Microsoft Word 15 =
(filtered medium)"><style></style></head><body bgcolor=3Dwhite =
lang=3DEN-US link=3Dblue vlink=3Dpurple =
style=3D'word-wrap:break-word'><div class=3DWordSection1><p =
class=3DMsoNormal><span style=3D'font-size:11.0pt'>Hi Festim,&nbsp; =
<o:p></o:p></span></p><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt'>I need more information on federal tax =
implications of this program.&nbsp; Is the &#8220;forgiven&#8221; amount =
taxed? From what I have read in most cases this amount is taxed.&nbsp; =
Please forward any information you may have in this =
regard.<o:p></o:p></span></p><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt'>Richard Cruz<o:p></o:p></span></p><p =
class=3DMsoNormal><span =
style=3D'font-size:11.0pt'><o:p>&nbsp;</o:p></span></p><div><div =
style=3D'border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in =
0in 0in'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:normal'><b><span =
style=3D'font-size:11.0pt'>From:</span></b><span =
style=3D'font-size:11.0pt'> Festim Naci =
&lt;festim.naci@nationaldebtrelief.com&gt; <br><b>Sent:</b> Thursday, =
November 30, 2023 11:47 AM<br><b>To:</b> =
rcruz@sapasequipment.com<br><b>Subject:</b> Program Overview and =
Potential Savings<o:p></o:p></span></p></div></div><p =
class=3DMsoNormal><o:p>&nbsp;</o:p></p><div><div align=3Dcenter><table =
class=3DMsoNormalTable border=3D0 cellspacing=3D0 cellpadding=3D0 =
width=3D"50%" style=3D'width:50.0%;background:white'><tr><td =
valign=3Dtop style=3D'padding:0in 0in 0in 0in'><div><div =
align=3Dcenter><table class=3DMsoNormalTable border=3D0 cellspacing=3D0 =
cellpadding=3D0 width=3D"100%" =
style=3D'width:100.0%;background:white;border-collapse:collapse'><tr><td =
valign=3Dtop style=3D'padding:0in 0in 0in 0in'><div =
id=3Dc2eremovestart><div align=3Dcenter><table class=3DMsoNormalTable =
border=3D0 cellspacing=3D0 cellpadding=3D0 width=3D640 =
style=3D'width:480.0pt;background:white;border-collapse:collapse'><tr =
style=3D'height:7.5pt'><td style=3D'padding:0in 0in 0in =
0in;height:7.5pt'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:7.5pt;font-family:"Helvetica =
Neue",serif;color:black'>&nbsp;<o:p></o:p></span></p></td></tr><tr><td =
valign=3Dtop style=3D'padding:0in 0in 0in 0in'><div =
align=3Dcenter><table class=3DMsoNormalTable border=3D0 cellspacing=3D0 =
cellpadding=3D0 width=3D600 =
style=3D'width:6.25in;border-collapse:collapse'><tr><td width=3D300 =
valign=3Dtop style=3D'width:225.0pt;background:white;padding:0in 0in 0in =
0in'><table class=3DMsoNormalTable border=3D0 cellspacing=3D0 =
cellpadding=3D0 width=3D"100%" =
style=3D'width:100.0%;border-collapse:collapse'><tr><td =
style=3D'background:white;padding:0in 0in 0in 0in'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span style=3D'color:black'><a =
href=3D"https://www.nationaldebtrelief.com/" target=3D"_blank"><span =
style=3D'font-size:10.5pt;font-family:"Helvetica Neue",serif'><img =
border=3D0 width=3D200 height=3D60 =
style=3D'width:2.0833in;height:.625in' id=3D"_x0000_i1038" =
src=3D"https://debtrelief.my.salesforce.com/servlet/servlet.ImageServer?i=
d=3D0151H000005YJ4UQAW&amp;oid=3D00DA0000000BWEi"></span></a></span><span=
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Neue",serif;color:black'><o:p></o:p></span></p></td></tr></table></td><td=
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style=3D'width:93.75pt;background:white;padding:0in 0in 0in 0in'><div =
align=3Dcenter><table class=3DMsoNormalTable border=3D0 cellspacing=3D0 =
cellpadding=3D0 width=3D"100%" =
style=3D'width:100.0%;border-collapse:collapse'><tr><td =
style=3D'background:white;padding:0in 0in 0in 0in'><p class=3DMsoNormal =
align=3Dcenter =
style=3D'margin:0in;text-align:center;line-height:15.0pt'><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'>&nbsp;<o:p></o:p></span></p></td></tr></table></=
div></td><td width=3D225 =
style=3D'width:168.75pt;background:white;padding:0in 0in 0in 0in'><div =
align=3Dcenter><table class=3DMsoNormalTable border=3D0 cellspacing=3D0 =
cellpadding=3D0 width=3D"100%" =
style=3D'width:100.0%;border-collapse:collapse'><tr =
style=3D'height:20.0pt'><td style=3D'background:white;padding:3.75pt 0in =
0in 0in;height:20.0pt'><p class=3DMsoNormal align=3Dright =
style=3D'margin:0in;text-align:right;line-height:15.0pt'><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'><img border=3D0 width=3D28 height=3D28 =
style=3D'width:.2916in;height:.2916in' id=3D"_x0000_i1037" =
src=3D"https://debtrelief.my.salesforce.com/servlet/servlet.ImageServer?i=
d=3D0151H000005YJ4OQAW&amp;oid=3D00DA0000000BWEi"></span><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'><o:p></o:p></span></p></td><td width=3D"100%" =
style=3D'width:100.0%;background:white;padding:0in 0in 0in =
0in;height:20.0pt'><p class=3DMsoNormal align=3Dcenter =
style=3D'margin:0in;text-align:center;line-height:18.0pt'><b><span =
style=3D'font-size:18.0pt;font-family:"Helvetica =
Neue",serif;color:#20037D'><a href=3D"tel:800-300-9550"><span =
style=3D'color:#20037D'>800-300-9550 =
</span></a><o:p></o:p></span></b></p></td></tr></table></div></td></tr></=
table></div></td></tr><tr><td width=3D300 =
style=3D'width:225.0pt;padding:0in 0in 0in 0in'><p class=3DMsoNormal =
align=3Dcenter =
style=3D'margin:0in;text-align:center;mso-line-height-alt:.75pt'><span =
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style=3D'width:.0069in;height:.0069in' id=3D"_x0000_i1036" =
src=3D"https://pixel.app.returnpath.net/pixel.gif?r=3D4893b0ad92834501ed0=
8646435c38069b996a386"></span><span =
style=3D'font-size:1.0pt;font-family:"Helvetica =
Neue",serif;color:black'><o:p></o:p></span></p></td></tr><tr =
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#E0EAF6 2.25pt;padding:0in 0in 0in 0in;height:10.0pt' =
id=3Dc2eremoveend><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:15.0pt;font-family:"Helvetica =
Neue",serif;color:black'>&nbsp;<o:p></o:p></span></p></td></tr></table></=
div></div><div align=3Dcenter><table class=3DMsoNormalTable border=3D0 =
cellspacing=3D0 cellpadding=3D0 width=3D600 =
style=3D'width:6.25in;border-collapse:collapse'><tr =
style=3D'height:7.5pt'><td style=3D'background:white;padding:0in 0in 0in =
0in;height:7.5pt'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:7.5pt;font-family:"Helvetica =
Neue",serif;color:black'>&nbsp;<o:p></o:p></span></p></td></tr><tr><td =
valign=3Dtop style=3D'background:white;padding:0in 0in 0in 0in'><div =
align=3Dcenter><table class=3DMsoNormalTable border=3D0 cellspacing=3D0 =
cellpadding=3D0 width=3D600 =
style=3D'width:6.25in;background:white;border-collapse:collapse' =
id=3Dcontent><tr><td valign=3Dtop style=3D'padding:0in 0in 0in 0in'><div =
align=3Dcenter><table class=3DMsoNormalTable border=3D0 cellspacing=3D0 =
cellpadding=3D0 width=3D600 =
style=3D'width:6.25in;background:white;border-collapse:collapse'><tr><td =
style=3D'padding:0in 0in 0in 0in'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:18.0pt'><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'>&nbsp;<o:p></o:p></span></p></td></tr><tr =
style=3D'height:7.5pt'><td style=3D'padding:0in 0in 0in =
0in;height:7.5pt;mso-line-height:exactly'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:7.5pt;font-family:"Helvetica =
Neue",serif;color:black'>&nbsp;<o:p></o:p></span></p></td></tr><tr><td =
style=3D'padding:0in 0in 0in 0in'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:18.0pt'><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'>Based on your total debt of&nbsp;$61,578.00, =
you may qualify for an estimated 44 month program with a monthly deposit =
of roughly&nbsp;$1,046.00 per month. There are no prepayment penalties =
so you can always add additional funds to speed up the program and =
become debt-free even faster.<o:p></o:p></span></p></td></tr><tr =
style=3D'height:7.5pt'><td style=3D'padding:0in 0in 0in =
0in;height:7.5pt;mso-line-height:exactly'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:7.5pt;font-family:"Helvetica =
Neue",serif;color:black'>&nbsp;<o:p></o:p></span></p></td></tr><tr><td =
style=3D'padding:0in 0in 0in 0in'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:18.0pt'><b><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'>How National Debt Relief Works</span></b><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'><o:p></o:p></span></p></td></tr><tr =
style=3D'height:7.5pt'><td style=3D'padding:0in 0in 0in =
0in;height:7.5pt;mso-line-height:exactly'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:7.5pt;font-family:"Helvetica =
Neue",serif;color:black'>&nbsp;<o:p></o:p></span></p></td></tr><tr><td =
style=3D'padding:0in 0in 0in 0in'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:18.0pt'><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'>Once you enroll, your monthly payment drafts =
into an FDIC-insured savings account, which is established in your name. =
As the funds in your dedicated savings account accumulate, our team of =
professional debt negotiators contact your creditors and work out =
agreements to reduce your balances to a fraction of what you currently =
owe.<o:p></o:p></span></p></td></tr><tr style=3D'height:7.5pt'><td =
style=3D'padding:0in 0in 0in =
0in;height:7.5pt;mso-line-height:exactly'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:7.5pt;font-family:"Helvetica =
Neue",serif;color:black'>&nbsp;<o:p></o:p></span></p></td></tr><tr><td =
style=3D'padding:0in 0in 0in 0in'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:18.0pt'><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'>Below is the list of the enrolled =
creditors:<o:p></o:p></span></p></td></tr><tr style=3D'height:7.5pt'><td =
style=3D'padding:0in 0in 0in =
0in;height:7.5pt;mso-line-height:exactly'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:7.5pt;font-family:"Helvetica =
Neue",serif;color:black'>&nbsp;<o:p></o:p></span></p></td></tr></table></=
div><p class=3DMsoNormal align=3Dcenter =
style=3D'margin:0in;text-align:center;line-height:15.0pt'><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black;display:none'><o:p>&nbsp;</o:p></span></p><div =
align=3Dcenter><table class=3DMsoNormalTable border=3D1 cellspacing=3D0 =
cellpadding=3D0 =
style=3D'border-collapse:collapse;border:none;border-spacing: =
0'><thead><tr><td style=3D'border:solid #CBCBCB =
1.0pt;background:#E0E0E0;padding:6.0pt 12.0pt 6.0pt 12.0pt'><p =
class=3DMsoNormal align=3Dcenter =
style=3D'margin:0in;text-align:center;line-height:15.0pt'><b><span =
style=3D'font-size:9.0pt;font-family:"Helvetica =
Neue",serif;color:black'>Creditor Name<o:p></o:p></span></b></p></td><td =
style=3D'border:solid #CBCBCB =
1.0pt;border-left:none;background:#E0E0E0;padding:6.0pt 12.0pt 6.0pt =
12.0pt'><p class=3DMsoNormal align=3Dcenter =
style=3D'margin:0in;text-align:center;line-height:15.0pt'><b><span =
style=3D'font-size:9.0pt;font-family:"Helvetica =
Neue",serif;color:black'>Original =
Balance<o:p></o:p></span></b></p></td></tr></thead><tr><td =
style=3D'border:solid #CBCBCB =
1.0pt;border-top:none;background:white;padding:6.0pt 12.0pt 6.0pt =
12.0pt;overflow:visible'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'>AMEX<o:p></o:p></span></p></td><td =
style=3D'border-top:none;border-left:none;border-bottom:solid #CBCBCB =
1.0pt;border-right:solid #CBCBCB 1.0pt;background:white;padding:6.0pt =
12.0pt 6.0pt 12.0pt;overflow:visible'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'>$889.00<o:p></o:p></span></p></td></tr><tr><td =
style=3D'border:solid #CBCBCB =
1.0pt;border-top:none;background:white;padding:6.0pt 12.0pt 6.0pt =
12.0pt;overflow:visible'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'>AMEX<o:p></o:p></span></p></td><td =
style=3D'border-top:none;border-left:none;border-bottom:solid #CBCBCB =
1.0pt;border-right:solid #CBCBCB 1.0pt;background:white;padding:6.0pt =
12.0pt 6.0pt 12.0pt;overflow:visible'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'>$607.00<o:p></o:p></span></p></td></tr><tr><td =
style=3D'border:solid #CBCBCB =
1.0pt;border-top:none;background:white;padding:6.0pt 12.0pt 6.0pt =
12.0pt;overflow:visible'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'>business debt<o:p></o:p></span></p></td><td =
style=3D'border-top:none;border-left:none;border-bottom:solid #CBCBCB =
1.0pt;border-right:solid #CBCBCB 1.0pt;background:white;padding:6.0pt =
12.0pt 6.0pt 12.0pt;overflow:visible'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'>$45,000.00<o:p></o:p></span></p></td></tr><tr><t=
d style=3D'border:solid #CBCBCB =
1.0pt;border-top:none;background:white;padding:6.0pt 12.0pt 6.0pt =
12.0pt;overflow:visible'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'>CBNA<o:p></o:p></span></p></td><td =
style=3D'border-top:none;border-left:none;border-bottom:solid #CBCBCB =
1.0pt;border-right:solid #CBCBCB 1.0pt;background:white;padding:6.0pt =
12.0pt 6.0pt 12.0pt;overflow:visible'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'>$1,067.00<o:p></o:p></span></p></td></tr><tr><td=
 style=3D'border:solid #CBCBCB =
1.0pt;border-top:none;background:white;padding:6.0pt 12.0pt 6.0pt =
12.0pt;overflow:visible'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'>CITICARDS CBNA<o:p></o:p></span></p></td><td =
style=3D'border-top:none;border-left:none;border-bottom:solid #CBCBCB =
1.0pt;border-right:solid #CBCBCB 1.0pt;background:white;padding:6.0pt =
12.0pt 6.0pt 12.0pt;overflow:visible'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'>$2,071.00<o:p></o:p></span></p></td></tr><tr><td=
 style=3D'border:solid #CBCBCB =
1.0pt;border-top:none;background:white;padding:6.0pt 12.0pt 6.0pt =
12.0pt;overflow:visible'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'>DISCOVER BANK<o:p></o:p></span></p></td><td =
style=3D'border-top:none;border-left:none;border-bottom:solid #CBCBCB =
1.0pt;border-right:solid #CBCBCB 1.0pt;background:white;padding:6.0pt =
12.0pt 6.0pt 12.0pt;overflow:visible'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'>$6,503.00<o:p></o:p></span></p></td></tr><tr><td=
 style=3D'border:solid #CBCBCB =
1.0pt;border-top:none;background:white;padding:6.0pt 12.0pt 6.0pt =
12.0pt;overflow:visible'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'>SYNCB/CAR CARE DISC =
TI<o:p></o:p></span></p></td><td =
style=3D'border-top:none;border-left:none;border-bottom:solid #CBCBCB =
1.0pt;border-right:solid #CBCBCB 1.0pt;background:white;padding:6.0pt =
12.0pt 6.0pt 12.0pt;overflow:visible'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'>$1,274.00<o:p></o:p></span></p></td></tr><tr><td=
 style=3D'border:solid #CBCBCB =
1.0pt;border-top:none;background:white;padding:6.0pt 12.0pt 6.0pt =
12.0pt;overflow:visible'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'>WELLS FARGO BANK<o:p></o:p></span></p></td><td =
style=3D'border-top:none;border-left:none;border-bottom:solid #CBCBCB =
1.0pt;border-right:solid #CBCBCB 1.0pt;background:white;padding:6.0pt =
12.0pt 6.0pt 12.0pt;overflow:visible'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'>$4,167.00<o:p></o:p></span></p></td></tr></table=
></div></td></tr><tr style=3D'height:7.5pt'><td style=3D'padding:0in 0in =
0in 0in;height:7.5pt;mso-line-height:exactly'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:7.5pt;font-family:"Helvetica =
Neue",serif;color:black'>&nbsp;<o:p></o:p></span></p></td></tr><tr><td =
style=3D'padding:0in 0in 0in 0in'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:18.0pt'><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'>Please let me know if you have any questions or =
want to discuss this further. You can reach me at <a =
href=3D"tel:800-300-9550"><b><span =
style=3D'color:#20037D'>800-300-9550</span></b><span =
style=3D'color:#20037D'> </span></a>extension 9110. I look forward to =
speaking with you.<o:p></o:p></span></p></td></tr><tr =
style=3D'height:7.5pt'><td style=3D'padding:0in 0in 0in =
0in;height:7.5pt;mso-line-height:exactly'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:7.5pt;font-family:"Helvetica =
Neue",serif;color:black'>&nbsp;<o:p></o:p></span></p></td></tr><tr><td =
style=3D'padding:0in 0in 0in 0in'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:18.0pt'><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'>Sincerely,<o:p></o:p></span></p></td></tr><tr =
style=3D'height:7.5pt'><td style=3D'padding:0in 0in 0in =
0in;height:7.5pt;mso-line-height:exactly'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:7.5pt;font-family:"Helvetica =
Neue",serif;color:black'>&nbsp;<o:p></o:p></span></p></td></tr><tr><td =
width=3D300 style=3D'width:225.0pt;padding:0in 0in 0in 0in'><p =
class=3DMsoNormal style=3D'margin:0in;line-height:18.0pt'><b><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'>Festim Naci</span></b><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'><br>Debt Specialist<br><b>National Debt =
Relief</b><br>Office <a href=3D"tel:800-300-9550"><span =
style=3D'color:#20037D'>800-300-9550</span></a> ext.<b>9110</b><br>Fax =
<a href=3D"tel:646-572-9115"><span =
style=3D'color:#20037D'>646-572-9115</span></a><o:p></o:p></span></p></td=
></tr><tr style=3D'height:7.5pt'><td style=3D'padding:0in 0in 0in =
0in;height:7.5pt;mso-line-height:exactly'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:7.5pt;font-family:"Helvetica =
Neue",serif;color:black'>&nbsp;<o:p></o:p></span></p></td></tr></table></=
div></td></tr></table></div></td></tr></table></div><div =
id=3Dc2eremovestart><p class=3DMsoNormal align=3Dcenter =
style=3D'margin:0in;text-align:center;line-height:normal;background:white=
'><span style=3D'font-size:9.0pt;font-family:"Helvetica =
Neue",serif;color:black'><o:p>&nbsp;</o:p></span></p><div =
align=3Dcenter><table class=3DMsoNormalTable border=3D0 cellspacing=3D0 =
cellpadding=3D0 width=3D640 =
style=3D'width:480.0pt;border-collapse:collapse'><tr><td valign=3Dtop =
style=3D'background:white;padding:0in 0in 0in 0in'><div =
align=3Dcenter><table class=3DMsoNormalTable border=3D0 cellspacing=3D0 =
cellpadding=3D0 width=3D600 =
style=3D'width:6.25in;border-collapse:collapse'><tr><td width=3D15 =
style=3D'width:11.25pt;background:white;padding:0in 0in 0in 0in'><div =
align=3Dcenter><table class=3DMsoNormalTable border=3D0 cellspacing=3D0 =
cellpadding=3D0 width=3D"100%" =
style=3D'width:100.0%;background:#20037D;border-collapse:collapse'><tr><t=
d style=3D'background:white;padding:0in 0in 0in =
0in'></td></tr></table></div></td><td width=3D120 =
style=3D'width:1.25in;background:white;padding:0in 0in 0in 0in'><div =
align=3Dcenter><table class=3DMsoNormalTable border=3D0 cellspacing=3D0 =
cellpadding=3D0 width=3D"100%" =
style=3D'width:100.0%;border-collapse:collapse'><tr><td =
style=3D'background:white;padding:0in 0in 0in 0in'><p class=3DMsoNormal =
align=3Dcenter =
style=3D'margin:0in;text-align:center;line-height:15.0pt'><span =
style=3D'color:black'><a =
href=3D"https://www.bbb.org/new-york-city/business-reviews/credit-and-deb=
t-counseling/national-debt-relief-llc-in-new-york-ny-110899/#bbbonlinecli=
ck" title=3D"&quot;National Debt Relief, LLC BBB Business Review&quot; t =
"><span style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif'><img border=3D0 width=3D76 height=3D60 =
style=3D'width:.7916in;height:.625in' id=3D"_x0000_i1035" =
src=3D"https://debtrelief.my.salesforce.com/servlet/servlet.ImageServer?i=
d=3D0151H000005YJ4IQAW&amp;oid=3D00DA0000000BWEi"></span></a></span><span=
 style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'><o:p></o:p></span></p></td></tr></table></div></=
td><td width=3D60 style=3D'width:45.0pt;background:white;padding:0in 0in =
0in 0in'><div align=3Dcenter><table class=3DMsoNormalTable border=3D0 =
cellspacing=3D0 cellpadding=3D0 width=3D"100%" =
style=3D'width:100.0%;border-collapse:collapse'><tr><td =
style=3D'background:white;padding:0in 0in 0in 0in'><p class=3DMsoNormal =
align=3Dcenter =
style=3D'margin:0in;text-align:center;line-height:15.0pt'><span =
style=3D'color:black'><a =
href=3D"http://debt-settlement-review.toptenreviews.com/" =
title=3D"&quot;TopTenReviews 2015 Golf Award&quot; t "><span =
style=3D'font-size:10.5pt;font-family:"Helvetica Neue",serif'><img =
border=3D0 width=3D37 height=3D60 style=3D'width:.3819in;height:.625in' =
id=3D"_x0000_i1034" =
src=3D"https://debtrelief.my.salesforce.com/servlet/servlet.ImageServer?i=
d=3D0151H000005YJ4Y&amp;oid=3D00DA0000000BWEi"></span></a></span><span =
style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'><o:p></o:p></span></p></td></tr></table></div></=
td><td width=3D120 style=3D'width:1.25in;background:white;padding:0in =
0in 0in 0in'><div align=3Dcenter><table class=3DMsoNormalTable =
border=3D0 cellspacing=3D0 cellpadding=3D0 width=3D"100%" =
style=3D'width:100.0%;border-collapse:collapse'><tr><td =
style=3D'background:white;padding:0in 0in 0in 0in'><p class=3DMsoNormal =
align=3Dcenter =
style=3D'margin:0in;text-align:center;line-height:15.0pt'><span =
style=3D'color:black'><a =
href=3D"http://www.topconsumerreviews.com/debt-relief-programs/" =
title=3D"&quot;National Debt Relief, LLC TopConsumer Reviews&quot; t =
"><span style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif'><img border=3D0 width=3D100 height=3D60 =
style=3D'width:1.0416in;height:.625in' id=3D"_x0000_i1033" =
src=3D"https://debtrelief.my.salesforce.com/servlet/servlet.ImageServer?i=
d=3D0151H000005YJ4WQAW&amp;oid=3D00DA0000000BWEi"></span></a></span><span=
 style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'><o:p></o:p></span></p></td></tr></table></div></=
td><td width=3D60 style=3D'width:45.0pt;background:white;padding:0in 0in =
0in 0in'><div align=3Dcenter><table class=3DMsoNormalTable border=3D0 =
cellspacing=3D0 cellpadding=3D0 width=3D"100%" =
style=3D'width:100.0%;border-collapse:collapse'><tr><td =
style=3D'background:white;padding:0in 0in 0in 0in'><p class=3DMsoNormal =
align=3Dcenter =
style=3D'margin:0in;text-align:center;line-height:15.0pt'><span =
style=3D'color:black'><a =
href=3D"http://members.americanfaircreditcouncil.org/list/national-debt-r=
elief-llc/" title=3D"&quot;American Fair Credit Council&quot; t "><span =
style=3D'font-size:10.5pt;font-family:"Helvetica Neue",serif'><img =
border=3D0 width=3D60 height=3D60 style=3D'width:.625in;height:.625in' =
id=3D"_x0000_i1032" =
src=3D"https://debtrelief.my.salesforce.com/servlet/servlet.ImageServer?i=
d=3D0151H000005YJ4HQAW&amp;oid=3D00DA0000000BWEi"></span></a></span><span=
 style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'><o:p></o:p></span></p></td></tr></table></div></=
td><td width=3D10 style=3D'width:7.5pt;background:white;padding:0in 0in =
0in 0in'><div align=3Dcenter><table class=3DMsoNormalTable border=3D0 =
cellspacing=3D0 cellpadding=3D0 width=3D"100%" =
style=3D'width:100.0%;background:#20037D;border-collapse:collapse'><tr><t=
d style=3D'background:white;padding:0in 0in 0in =
0in'></td></tr></table></div></td><td width=3D120 =
style=3D'width:1.25in;background:white;padding:0in 0in 0in 0in'><div =
align=3Dcenter><table class=3DMsoNormalTable border=3D0 cellspacing=3D0 =
cellpadding=3D0 width=3D"100%" =
style=3D'width:100.0%;border-collapse:collapse'><tr><td =
style=3D'background:white;padding:0in 0in 0in 0in'><p class=3DMsoNormal =
align=3Dcenter =
style=3D'margin:0in;text-align:center;line-height:15.0pt'><span =
style=3D'color:black'><a =
href=3D"https://www.trustpilot.com/review/www.nationaldebtrelief.com?teaI=
D=3D02f9c485-82a8-47d1-aec0-cd8a26792506" title=3D"&quot;National Debt =
Relief, LLC TrustPilot Reviews&quot; t "><span =
style=3D'font-size:10.5pt;font-family:"Helvetica Neue",serif'><img =
border=3D0 width=3D203 height=3D50 =
style=3D'width:2.118in;height:.5208in' id=3D"_x0000_i1031" =
src=3D"https://debtrelief.my.salesforce.com/servlet/servlet.ImageServer?i=
d=3D0151H000005YJ4XQAW&amp;oid=3D00DA0000000BWEi"></span></a></span><span=
 style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif;color:black'><o:p></o:p></span></p></td></tr></table></div></=
td><td width=3D15 style=3D'width:11.25pt;background:white;padding:0in =
0in 0in 0in'><div align=3Dcenter><table class=3DMsoNormalTable =
border=3D0 cellspacing=3D0 cellpadding=3D0 width=3D"100%" =
style=3D'width:100.0%;background:#20037D;border-collapse:collapse'><tr><t=
d style=3D'background:white;padding:0in 0in 0in =
0in'></td></tr></table></div></td></tr></table></div></td></tr><tr =
style=3D'height:2.5pt'><td style=3D'background:white;padding:0in 0in 0in =
0in;height:2.5pt'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:7.5pt'><span =
style=3D'font-size:7.5pt;font-family:"Helvetica =
Neue",serif;color:black'>&nbsp;<o:p></o:p></span></p></td></tr><tr =
style=3D'height:2.5pt'><td style=3D'background:white;padding:0in 0in 0in =
0in;height:2.5pt' id=3Dc2eremoveend><p class=3DMsoNormal =
style=3D'margin:0in;line-height:7.5pt'><span =
style=3D'font-size:7.5pt;font-family:"Helvetica =
Neue",serif;color:black'>&nbsp;<o:p></o:p></span></p></td></tr></table></=
div></div><div align=3Dcenter><table class=3DMsoNormalTable border=3D0 =
cellspacing=3D0 cellpadding=3D0 width=3D640 =
style=3D'width:480.0pt;background:#20037D;border-collapse:collapse'><tr><=
td valign=3Dtop style=3D'padding:0in 0in 0in 0in'><div =
align=3Dcenter><table class=3DMsoNormalTable border=3D0 cellspacing=3D0 =
cellpadding=3D0 width=3D600 =
style=3D'width:6.25in;background:#20037D;border-collapse:collapse'><tr><t=
d width=3D120 valign=3Dtop style=3D'width:1.25in;padding:0in 0in 0in =
0in'><div align=3Dcenter><table class=3DMsoNormalTable border=3D0 =
cellspacing=3D0 cellpadding=3D0 width=3D"100%" =
style=3D'width:100.0%;background:#20037D;border-collapse:collapse'><tr><t=
d width=3D120 style=3D'width:1.25in;padding:12.0pt 0in 0in 0in'><p =
class=3DMsoNormal style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:9.0pt;font-family:"Helvetica =
Neue",serif;color:white'>National Debt =
Relief<o:p></o:p></span></p></td></tr><tr><td width=3D120 valign=3Dtop =
style=3D'width:1.25in;padding:0in 0in 0in 0in'><p class=3DMsoNormal =
style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:9.0pt;font-family:"Helvetica =
Neue",serif;color:white'>PO Box =
2011<o:p></o:p></span></p></td></tr><tr><td width=3D120 valign=3Dtop =
style=3D'width:1.25in;padding:0in 0in 12.0pt 0in;cursor:none'><p =
class=3DMsoNormal style=3D'margin:0in;line-height:15.0pt'><span =
style=3D'font-size:9.0pt;font-family:"Helvetica =
Neue",serif;color:white'><span class=3DMsoHyperlink><span =
style=3D'color:white;background:#20037D'>New York, NY =
10272</span></span><o:p></o:p></span></p></td></tr></table></div></td><td=
 width=3D210 valign=3Dtop style=3D'width:157.5pt;padding:0in 0in 0in =
0in'><div align=3Dcenter><table class=3DMsoNormalTable border=3D0 =
cellspacing=3D0 cellpadding=3D0 width=3D"100%" =
style=3D'width:100.0%;background:#20037D;border-collapse:collapse'><tr><t=
d width=3D210 style=3D'width:157.5pt;padding:12.0pt 0in 12.0pt 0in'><p =
class=3DMsoNormal align=3Dcenter =
style=3D'margin:0in;text-align:center;line-height:15.0pt'><span =
style=3D'font-size:10.0pt;font-family:"Helvetica =
Neue",serif;color:white'>Copyright &copy; 2023 National Debt Relief, =
LLC,<br>All rights =
reserved.<o:p></o:p></span></p></td></tr></table></div></td><td =
width=3D20 style=3D'width:15.0pt;padding:0in 0in 0in 0in'><p =
class=3DMsoNormal style=3D'margin:0in;line-height:7.5pt'><span =
style=3D'font-size:7.5pt;font-family:"Helvetica =
Neue",serif;color:black'>&nbsp;<o:p></o:p></span></p></td><td width=3D80 =
valign=3Dtop style=3D'width:60.0pt;padding:0in 0in 0in 0in'><div =
align=3Dright><table class=3DMsoNormalTable border=3D0 cellspacing=3D0 =
cellpadding=3D0 width=3D"100%" =
style=3D'width:100.0%;background:#20037D;border-collapse:collapse'><tr><t=
d width=3D17 valign=3Dtop style=3D'width:12.75pt;padding:13.5pt 0in 0in =
0in'><p class=3DMsoNormal align=3Dcenter =
style=3D'margin:0in;text-align:center;line-height:12.0pt'><span =
style=3D'color:white'><a =
href=3D"https://www.facebook.com/NationalDebtReliefGroup" =
target=3D"_blank"><span style=3D'font-size:10.5pt;font-family:"Helvetica =
Neue",serif'><img border=3D0 width=3D17 height=3D15 =
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