This is Karima McMillan with NCB Management Services Incorporated. I've been authorized to extend an offer to you to resolve your account for less than the full balance. Please call my office to take advantage of this offer. If you're unable to take advantage of this offer we will happily discuss a payment arrangement that will meet your budget. I look forward to assisting you please call me at 1-800-828-1110 ext. 4600. This is a call from a debt collector.