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Carmel Credit and Financial Consulting, in conjunction
with the office of Lavelle Legal Services, helped the
following client with relief of all tax, penalties and interest in
regard to tax year 1995, and will receive a refund to the extent
allowed by law.

Department of the Treasury
Internal Revenue Service

CINCINNATI, OH 45999		 In reply refer to: 0000000000
June 11, 2002 LTR
XXX-XX-XXXX 199512 30 000 X
   
XXXXXXX X XXXXXXXX
BEN TODESCO
CARMEL CONSULTING
319 S MAIN ST
MT PROSPECT IL 60056


CERTIFIED MAIL
  Social Security Number: XXX-XX-XXXX
  Tax Year(s): Dec. 31, 1995
 
  Person to Contact: Ms. XXXX x0000
  Employee Number: XXXXXXX
  Contact Telephone Number: XXX-XXX-XXXX
  (Not a toll-free number)
 
  Hours: 7:00am-2:30pm EDT
 

Dear TAXpayer:

This letter is your FINAL NOTICE of our determination for the tax
year(s) shown above. We have made the following determination(s):

You are entitled to equitable relief of liability under Internal
Revenue Code Section 6015(f), for the tax that was not paid with
your tax return. If you paid the liability and you do not owe
other taxes, we will send you a refund to the extent allowed by
law for:

Payments you made (if any) between July 22, 1998 and April 15,
1999.

We have relieved you of the remaining balance due plus penalties and
interest. You have made no payments that are available for refund but
you are no longer liable for the tax.

If you have any questions about this letter, please contact the
person whose name and telephone number are shown on the first page
of this letter.
  Sincerely yours,
   
  Signature
   
  XXXX X XXXXXXX, Field Director
Compliance Svcs.


IRS Department of the Treasury
Internal Revenue Service		 In reply refer to: 0000000000
December 11, 2003  LTR
  Stop 6550 R-1 (AM Dept, 2,3, 4)
KANSAS CITY    MO    64999-0025
   
MXXXXXXX XXXXX
XXXXXX LXXXX RD
OAKBROOK TER IL 60181-4420248
 
Taxpayer Identification Number:      XXX-XX-XXXX
Tax Period(s):    June 30, 1986       Dec. 31, 1986


Dear Taxpayer:

Than you for your inquiry of Oct. 28, 2003.

We are sorry, but unfortunately the information on your credit report is correct.   We filed a Lien against your property for tax liabilities.   However,   the time to collect the tax has expired,   but the information will remain on your credit report.

There is good news,  please contact our Lien Department at XXX-XXX-XXXX,   and ask for documentation illustrating the Lien has been released.

If you have any questions,  please call us toll free at 1-800-XXX-XXXX.

If you prefer, you may write to us at the address shown at the top of the first page of this letter.

We apologize for any inconvenience we may have caused you,  and thank you for your cooperation.

Whenever you write,  please include this letter and,  in the spaces below,   give us your telephone number with the hours we can reach you.   Also,   you may want to keep a copy of this letter for your records.

Telephone   Number  (     )______________________      Hours_________________________

  Sincerely yours,
   
  Signature
   
  JXX X XXXXXXXXX
Manager