Why a Debt Management Company should never send "Cease and Desist" letters : Documentation Beats Conversation
See below what happens when they do!

Credit card issuers will soon have to spell out more details on bills...
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The following is an attempted settlement agreement that may look convincing but is nothing more than another attempted effort to keep hard working Americans on their financial treadmills that continue to support the accounting portfolios for banks and creditors who use you and other debtors as the assets for their profits. ADF does workouts, turnarounds and settlement forecasts that secure the best interest of your financial capabilities versus your financial responsibilities.
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