Dear ___________________

If you are like many of our customers, you have held off from borrowing funds over the past year when interest rates had hit the ceiling realizing that everything that goes up must come down.

You should rightfully feel quite proud of yourself for not borrowing at rates that could have put you further into debt.

Now that rate has come down to a reasonable level, you may wish to consider the advantage of making but one monthly payment per month in lieu of apportioning small amounts to the various creditors who have been requesting payment.

We would love to have the opportunity to either come to your home or have you come and visit our office so that we might discuss any current financial problems you may be experiencing with you, and to offer our solution for eliminating a lot of unnecessary worry on your part.

Please contact us today at _____________________ (telephone) if you would like to rid yourself of a pile of unpaid bills, finance a car or boat, or just take your family on a long-promised vacation. We will look forward to hearing from you.