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November 13, 2001
CITIFINANCIAL Strongsville Office Strongsville, OH re: Fair Debt Collections Practices Pursuant to the Fair Debt Collections Practices Act 15U.S.C.1592 et.seq. you are hereby notified to CEASE and DESIST from all further com- munications with me or anyone associated with me concerning this account. Failure to comply may result in notification of the FTC and the Attorney General of the State of Ohio of your abusive practice; and I further reserve my right to file suit against CITIFINANCIAL, et al. for such abusive debt collection practices as have already occurred. Please be so advised. Most sincerely, Jean M. Temple,MBA Signed, Sealed and Delivered, Jean M. Temple, MBA