Hi Dennis,

I am going to book an appointment to come and see you.  I was wanting to touch base with you last month, but it didn’t happen before I ended up in the hospital.  For me that feels very unfortunate, as I believe my accounts are past due.  I was just discharged [from the hospital] and I’ve had plenty to do.  I am to be up and working fulltime on Tuesday, February 9^th,  hopefully I can see you before then but in the end it doesn’t really matter, everything is what it is.  I’m not sure I am asking for anything other than the opportunity to explain everything.  If you have advice we can take it from there.  For me, it’s just getting back up on my feet, one step at a time and moving forward.  I don’t think I’ve ever missed payments before, that really saddens me somewhere inside, but life happens right?

Thank you and I hope to see you soon,

Dan Berladyn