Rewriting processes and techniques

Business Communications

Ali Berro

Exercise

Fr: Mike Mazowski

Davenport Vice President

Eliminating Credit Card Debt

Are you worried about the debt you may be accumulating on your credit cards? Should you be? Did you know that 20% of college students nationwide have credit card debt of more than $10,000? If you are one of these students, you may wish to take advantage of a free seminar we are conducting on how to responsibly manage credit card debt.

The problem starts with the irresponsible use of credit cards. Many students succumb to the temptation of using credit cards without realizing that the debt, and the interest charged on that debt, can accumulate at a much faster rate than what they can afford to comfortably pay back. The high interest rates that many credit card companies charge oftentimes means that students are paying interest for a much longer time than it takes to graduate.

If you think that you could be one of these students, a seminar will be held to assist you in managing your credit cards wisely. Some of the items covered at the seminar will include:

*Limiting the number of credit cards you own

*How to shop for the lowest rates on credit cards

*Charging only what you can pay back each month

*How to apply for low interest loans to pay off credit cards

AND MUCH MORE!

For more information please contact the Financial Aid office of go online to: managingcredit.com

Have a great day!

Mike Mazowski

Ali Berro

English 311

Exercise 8.6

Subject: HMO Plan

Dear Mr. Reineke,

We would like you to know that we empathize with your situation regarding St. Catherine's Hospital and it is the desire of the human resource department to help you in any way possible. This is not a situation that is a happy one for anyone involved.

I have investigated what can be done, and unfortunately, there is not a lot that we can do to get the insurance company to pay the bill. The operation took place in an out-of-network hospital, and the HMO plan which you chose when joining our company does not cover out-of-network procedures. The plan does offer two alternatives, unfortunately you chose neither one.

There are, however, a number of different options that are available to you at this point. One of the options is to explain to the hospital what happened, and see if there is a possibility of setting up some type of payment plan. We have worked with this hospital's financial department and they are very cooperative with our employees. Another alternative might be to finance the operation through a low cost provider, of which we can supply you with an excellent list. There is also an employee credit union that offers very flexible terms for our employees.