<<COMPANY NAME AND INFO HERE>>

December 21, 2005

<<MTG TO PURCHASE>>
<<ADDRESS OR MORTAGEE LOCATION>>

Re: <<ENCUMBERED PROPERTY>>

To the Members of the <<COMPANY/LLC/LP>>,

<<COMANY NAME>> is a group of investors who purchase non-performing real estate loans in New Jersey. We are contacting you in regards to a Mortgage mentioned in our list of recent bankruptcy filings for <<PROPERTY ADDRESS>>. If you are interested in selling this mortgage or have any questions, please contact me at your earliest convenience via telephone so that we may discuss this matter.

__________________
By: <<NAME AND COMPNAY INFO HERE>>

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