1) Scan and email, fax or mail us any collection letters (not monthly statements).

2) Write down any conversations you have on the phone with a collector.  Get:

             a. The person’s name

             b. Their company’s name

             c. The date, day and time of the call

             d. The name of the creditor they are calling for (if they are a “third party” collector)

             e. If you have a confirmation slip that they got your letter, tell them

             f. If they didn’t or if they are new to you, get their fax number and tell them you’ll be faxing a letter describing your situation

            g. Tell us what they told you

3) You can scan what you have written down and email it to us at:  info@icantpay.info or you can fax it to:      1-312-263-1637 or you can mail it to:

             I Can't Pay/Heartland Financial Services, LLC

            180 N. Michigan Ave, Ste. 908

            Chicago, IL  60601

4)  You can also call us at:  1-888-332-8066.