This is message is intended for Nicholas Luciano K5371720. Several attempts have been made to contact you in regards to a penny complaint we have here in the office. We will have to assume you're waving your rights to voluntary restitution and move forward without input from you or your legal representation. This is in regards to case file again 371720. You have an out of court settlement agreement with us here in the office. I looks here you've already made 13 payments towards this account but your payment in December did decline and it looks for your financial institution to charge about one of your payments as well why not at this time there's under the assumption that you're waving rights because of the fact that you're not submitting payment any more. If this is not the case please contact the offices it looks here you do have only four remaining payments. We would hate for this to be revoked for them to pursue a higher balance so much of this account already been paid. So please just contact the office as soon as possible so we're able to get you back on track. We can recover or reschedule your payment so that we can get you out a declined status. The best phone number to reach us is 727-431-9352.