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Chris E. Eliason
5580 Fountain Lake Circle #304
Bradenton, FL 34207







December 15, 1999




GENUS CREDIT MANAGEMENT
P.O. Box 6359
Columbia, MD 21046-6359


ATTN: COMPLETION

SUBJECT: ACCOUNT 586-05-8235


Dear Sir/Madam:

Per my telephone conversation with your agent Kimberlee on December 14, 1999, and complying with your company policy, please accept this letter as confirmation that I will not be requiring Genus' services effective immediately; any further payments to Genus from my bank account are to be stopped.

I am in the process of filing Chapter 7 bankruptcy. If you have any questions regarding the above, please contact my attorney Mr. David L. Del Vecchio at the following telephone number, (941)746-6995.

Thank you for your immediate attention to this matter and your company's service.

Sincerely,






Chris E. Eliason

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