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JEAN M. TEMPLE, MBA 1976 Pinewood Drive Brunswick, OH 44212
January 9, 2003
NCO Financial Systems POB 41457 Philadelphia, PA 19101-1457 re: Fair Debt Collections Practices Shell Oil Account #82375577274001 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 NCO Financial Systems, et al. for such abusive debt collection practices as have already occurred. Please be so advised. Most sincerely, Jean M. Temple,MBA