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