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Robert personally responded to Kim via email,
"Kim
Rus
Thank you for your letter regarding this matter. I'm confident we can work this out.

Here is our proposal.
1. Execute a payment agreement for $6,000 with a clause that if you pay $500/mo
for 10 months the rest of the balance will be forgiven. There will be no interest unless you stop paying or start incurring late payments and fees. A 10 day grace period for payments that are due on the 15th of each month and late on the 25th.
2. During the payment period we will report you to the credit bureau as "Paid As Agreed" and that will grow your credit during the time you're paying off the debt. When you've satisfied the payment plan we'll mark your credit "Paid As Agreed".

This plan will require the first payment April 15. So, once we've agreed on this plan we will send you a payment agreement, you'll return it executed. We'll then send a link to the payment portal where you'll make your first payment. We can execute this plan in 24 hours.

Let me know if you have any questions

R"

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