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Dear Milton Reagans,

This is a notification that your account is scheduled to be escalated to an outside firm, as your last payment was received more than 25 days ago.

To prevent this, please contact me immediately to set up payment arrangements that will begin before December 1 at 5:00 PM EST.

We are offering to reduce your payments to $79.44 per week. Please confirm if you would like to proceed with this reduced payment plan, and we will update your payment schedule accordingly.

Thank you,