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To: tjphuhs@gmail.com
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Date: Sat, 14 Feb 2026 20:56:33 +0000
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Subject: Your Account is Extremely Delinquent
From: "Upgrade" <servicing@s.upgrade.com>

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Your account requires your immediate attention in order to avoid=0Acharge-o=
ff.  =0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A =
     Upgrade     96=0A( https://link.upgrade.com/f/a/0Siq6r6hA4lXCaYXMSk4pg=
~~/AAQRxRA~/ExoakGO7KzdVNGYugC3dL7j6fhte6N0pGPZggusC347LlV1FMCcoWhzDcwACd8g=
dva9Q71n6Ts-U3tiUJ8fDSZ7S5EyUxGHEPSF3bYI71WU~ )=0A=0A=0A=0A=0A=0A=0A=0A=0A=
=0A=0AHi=0ATimothy,=0AYour Upgrade account 320794403 requires=0Ayour immedi=
ate attention in order to avoid charge-off. Your=0Aaccount is now 98 days p=
ast due=0Ain the amount of $3,183.56.   Charged=0Aoff accounts are reported=
 to the credit bureaus and stay on your=0Acredit report for 7 years. They c=
an have a serious negative=0Aimpact on your credit score and your ability t=
o obtain credit in=0Athe future.   Contact us before=0AMarch  8, 2026 to ma=
ke arrangements or=0Aschedule a payment and avoid this irreversible status.=
 We may=0Ahave options to get you back on track.We can be reached at: (844)=
=0A334-3551.  =0A=0A=0A=0A=0A=0A=0ASchedule A Payment (=0Ahttps://link.upgr=
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jdsDBmCHyv4bxjcx8N5yGl1A~~=0A)     =0A  Thanks,=0AThe Upgrade Team         =
         If you have questions, we're=0Ahere to help.    servicing@upgrade.=
com | (844) 334-3551 (=0Atel:(844)334-3551 )    Monday - Friday: 5am - 7pm =
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te=0Apayments, missed payments, or other defaults on your account will=0Abe=
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BT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY=0AINFORMATION O=
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IE=3Dedge">=0A<!--<![endif]-->=0A<title>Upgrade</title>=0A=0D=0A<!--[if gte=
 mso 9]><xml>=0D=0A  <o:OfficeDocumentSettings>=0D=0A  <o:AllowPNG/>=0D=0A =
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ight: 0px; max-height: 0px; max-width: 0px; opacity: 0; overflow: hidden; d=
isplay: none; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -w=
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d>=0A    </tr>=0A  </tbody>=0A</table>=0A=0A<!--ALL CONTENT STARTS HERE--> =
=0A=0A<!--HEADER STARTS HERE-->=0A<table class=3D"bg_secondary mbl" align=
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d class=3D"bg_secondary" style=3D"font-size: 0; mso-line-height-rule: exact=
ly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" bgcolor=3D=
"#F6F6F9">&nbsp;</td>=0A    <td align=3D"center" style=3D"width: 600px; mso=
-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-a=
djust: 100%;" valign=3D"top">=0A<table border=3D"0" cellpadding=3D"0" cells=
pacing=3D"0" class=3D"mblHeader" style=3D"width: 100%; min-width: 90% !impo=
rtant; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: =
0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0A      =
  <tbody>=0A          <tr>=0A            <td align=3D"center" valign=3D"top=
" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webk=
it-text-size-adjust: 100%;"><table border=3D"0" cellpadding=3D"0" cellspaci=
ng=3D"0" style=3D"width: 90%; border-collapse: collapse; mso-table-lspace: =
0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-a=
djust: 100%;">=0A                <tbody>=0A                  <tr>=0A       =
             <td style=3D"font-size: 0; mso-line-height-rule: exactly; -ms-=
text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 15px 0px 1=
0px;" valign=3D"top"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0=
" style=3D"width: 100%; border-collapse: collapse; mso-table-lspace: 0pt; m=
so-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust:=
 100%;">=0A                        <tbody>=0A                          <tr>=
=0A                            <td align=3D"center" style=3D"mso-line-heigh=
t-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%=
;">=0A<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"mblH=
eader" style=3D"width: 100%; max-width: 600px; border-collapse: collapse; m=
so-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -w=
ebkit-text-size-adjust: 100%; min-width: 90% !important;">=0A    <tbody>=0A=
      <tr>=0A        <td align=3D"center" valign=3D"top" style=3D"mso-line-=
height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust:=
 100%;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"wi=
dth: 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspa=
ce: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0A  =
          <tbody>=0A              <tr>=0A                <td style=3D"font-=
size: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit=
-text-size-adjust: 100%; padding: 0px;" valign=3D"top"><table border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-collapse: =
collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjus=
t: 100%; -webkit-text-size-adjust: 100%;">=0A                    <tbody>=0A=
                      <tr>=0A                        <td align=3D"center" v=
align=3D"middle" style=3D"mso-line-height-rule: exactly; -ms-text-size-adju=
st: 100%; -webkit-text-size-adjust: 100%;"><a alias=3D"upgrade_logo" href=
=3D"https://link.upgrade.com/f/a/0Siq6r6hA4lXCaYXMSk4pg~~/AAQRxRA~/ExoakGO7=
KzdVNGYugC3dL7j6fhte6N0pGPZggusC347LlV1FMCcoWhzDcwACd8gdva9Q71n6Ts-U3tiUJ8f=
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 sans-serif; text-align: center; font-size: 20px; color: #00AF6A; text-deco=
ration: none; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -w=
ebkit-text-size-adjust: 100%;"><img alt=3D"&nbsp;" border=3D"0" height=3D"3=
3" src=3D"https://braze-images.com/appboy/communication/assets/image_assets=
/images/63348ce6db77c73d707010e4/original.png=3F1664388326" style=3D"outlin=
e: 0px; width: 144px; height: auto; font-family: Graphik, Helvetica, Arial,=
 sans-serif; font-size: 24px; color: rgb(0, 175, 106); image-rendering: aut=
o !important; text-decoration: none; -ms-interpolation-mode: bicubic; paddi=
ng: 0px; border-width: 0px;" title=3D"logo" width=3D"144" class=3D"center">=
</a></td>=0A                      </tr>=0A                    </tbody>=0A  =
                </table></td>=0A              </tr>=0A            </tbody>=
=0A          </table></td>=0A      </tr>=0A    </tbody>=0A</table>=0A<!-- X=
-250ok-CID: upgrade_pl_payment_dpd_day98-->=0A  =0A<span style=3D"font-size=
: 0px; line-height: 0;">=0A  =0A  =0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=
=0A=0A=0A=0A=0A=0A</span>=0A</td>=0A                          </tr>=0A     =
                   </tbody>=0A                      </table></td>=0A       =
           </tr>=0A                </tbody>=0A              </table></td>=
=0A          </tr>=0A        </tbody>=0A      </table>=0A      =0A      <!-=
-PRIMARY CONTENT-->=0A      =0A      <table border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-tabl=
e-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%;" bgcolor=3D"#ffffff">=0A        <tbody>=0A        =
=0A        <tr>=0A          <td align=3D"center" style=3D"mso-line-height-r=
ule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; p=
adding: 40px 0px 30px;"><table border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width: 90%; border-collapse: collapse; mso-table-lspace: 0p=
t; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adj=
ust: 100%;">=0A              <tbody>=0A                <tr>=0A             =
     <td class=3D"body1" style=3D"font-family: Graphik, Helvetica, Arial, s=
erif; font-size: 16px; line-height: 24px; color: #686C78; mso-line-height-r=
ule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; p=
adding: 0px;" align=3D"left">=0A<span style=3D"font-size: 0px; line-height:=
 1;"></span>Hi <span style=3D"word-break: keep-all;">Timothy</span>,</td>=
=0A                </tr>=0A                <tr>=0A                  <td cla=
ss=3D"body1" style=3D"font-family: Graphik, Helvetica, Arial, serif; font-s=
ize: 16px; line-height: 24px; color: #686C78; mso-line-height-rule: exactly=
; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 15px=
 0px 0px;" align=3D"left">Your Upgrade account 320794403 requires your imme=
diate attention in order to avoid charge-off. Your account is now <strong>9=
8 days past due</strong> in the amount of $3,183.56.</td>=0A               =
 </tr>=0A                <tr>=0A                  <td class=3D"body1" style=
=3D"font-family: Graphik, Helvetica, Arial, serif; font-size: 16px; line-he=
ight: 24px; color: #686C78; mso-line-height-rule: exactly; -ms-text-size-ad=
just: 100%; -webkit-text-size-adjust: 100%; padding: 15px 0px 0px;" align=
=3D"left">Charged off accounts are reported to the credit bureaus and stay =
on your credit report for 7 years. They can have a serious negative impact =
on your credit score and your ability to obtain credit in the future.</td>=
=0A                </tr>=0A                <tr>=0A                  <td cla=
ss=3D"body1" style=3D"font-family: Graphik, Helvetica, Arial, serif; font-s=
ize: 16px; line-height: 24px; color: #686C78; mso-line-height-rule: exactly=
; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 15px=
 0px 0px;" align=3D"left">Contact us before March  8, 2026 to make arrangem=
ents or schedule a payment and avoid this irreversible status. We may have =
options to get you back on track.We can be reached at: <b>(844) 334-3551</b=
>.</td>=0A                </tr>=0A                   =0A                <tr=
>=0A                  <td class=3D"body1" style=3D"font-family: Graphik, He=
lvetica, Arial, serif; font-size: 16px; line-height: 24px; color: #686C78; =
mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-siz=
e-adjust: 100%; padding: 15px 0px 20px;" align=3D"left"></td>=0A           =
     </tr>=0A              <span style=3D"font-size: 0px; line-height: 1;">=
=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A</span>=0D=0A=0D=0A=0D=0A=0D=0A<tr>=0D=
=0A  <td valign=3D"top" align=3D"center" width=3D"515" style=3D"font-family=
: Graphik, Helvetica, Arial, serif; font-size: 16px; line-height: 24px; col=
or: #ffffff !important; mso-line-height-rule: exactly; -ms-text-size-adjust=
: 100%; -webkit-text-size-adjust: 100%; padding: 0px;">=0A<!--/BUTTON START=
S HERE-->=0D=0A      <table align=3D"center" class=3D"cta_table" border=3D"=
0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 275px; border-collap=
se: separate; -webkit-border-radius: 8px; -moz-border-radius: 8px; border-r=
adius: 8px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adj=
ust: 100%; -webkit-text-size-adjust: 100%; border: 2px solid #0E680E;" bgco=
lor=3D"#0E680E">=0D=0A          <tr>=0D=0A              <td height=3D"45" s=
tyle=3D"height: 40px; color: #ffffff; mso-line-height-rule: exactly; -ms-te=
xt-size-adjust: 100%; -webkit-text-size-adjust: 100%;" valign=3D"middle" al=
ign=3D"center"><a alias=3D"" href=3D"https://link.upgrade.com/f/a/J2AP_8XQI=
FoTAyo3ApImEg~~/AAQRxRA~/n36M7qtvFE7KsykLh01tdo1HGr90pAxVDHYmAumrT-vjXVexlR=
_puRKIkmKJN0aY-U6sjYo1_O2YF6TaIRZAgc6MWmaNJ5AwwrNidgLX1Oefn21FDouSPqp6_nTw5=
rIPZDBT3NPTV2Up8kUDWHcY8uiSpockDnWRxZu43fmFeB9rfb6gMqmLTneObJvIUVL3_T_L9-DU=
Y0jP8Uehqk7ZF6WPBAtVqiGyKnQnf9tIao-G3o8Ea9xQQcMa0X1IwmjdsDBmCHyv4bxjcx8N5yG=
l1A~~" =3D"" style=3D"display: block; font-size: 16px; line-height: 24px; f=
ont-family: Graphik, Helvetica, Arial, sans-serif; font-weight: 500; color:=
 #ffffff !important; text-decoration: none !important; letter-spacing: 0.5p=
x; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-=
size-adjust: 100%; padding: 10px;"><!--[if mso]>&nbsp;&nbsp;&nbsp;<![endif]=
-->Schedule A Payment<!--[if mso]>&nbsp;&nbsp;&nbsp;<![endif]--></a></td>=
=0D=0A          </tr>=0D=0A      </table>=0D=0A  </td>=0D=0A</tr>=0D=0A=0D=
=0A=0D=0A=0D=0A=0A              <tr>=0A                <td class=3D"body1" =
style=3D"font-family: Graphik, Helvetica, Arial, serif; font-size: 16px; li=
ne-height: 24px; color: #686C78; mso-line-height-rule: exactly; -ms-text-si=
ze-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 20px 0px 0px;" al=
ign=3D"left">Thanks,<br>=0A                  The Upgrade Team </td>=0A     =
         </tr>=0A=0A              </tbody>=0A              =0A            <=
/table></td>=0A        </tr>=0A        </tbody>=0A        =0A      </table>=
=0A      =0A      <!--CONTACT US OR DOWNLOAD -->=0A      =0A      <table bo=
rder=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border=
-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text=
-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0A        <tbody>=0A =
         <tr>=0A            <td align=3D"center" style=3D"mso-line-height-r=
ule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; p=
adding: 0px;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=
=3D"width: 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"=
>=0A                <tbody>=0A                  <tr>=0A                    =
<td class=3D"body1" style=3D"font-family: Graphik, Helvetica, Arial, serif;=
 font-size: 16px; line-height: 24px; color: #686C78; mso-line-height-rule: =
exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; paddin=
g: 0px;" align=3D"center">   <table class=3D"bg_strong" align=3D"center" bo=
rder=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; max-wi=
dth: 600px !important; border-collapse: collapse; mso-table-lspace: 0pt; ms=
o-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: =
100%;" bgcolor=3D"#EAECF0">    =0D=0A     <tr>=0D=0A      <td class=3D"mbl_=
text_cs body1" style=3D"font-family: Graphik, Helvetica, Arial, serif; font=
-size: 16px; line-height: 24px; color: #686C78; mso-line-height-rule: exact=
ly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 30=
px 0px 0px;" align=3D"center">If you have questions, we're here to help.</t=
d>=0D=0A     </tr>=0D=0A     <tr>=0D=0A      <td class=3D"mbl_text_cs body1=
" style=3D"font-family: Graphik, Helvetica, Arial, serif; font-size: 16px; =
line-height: 24px; color: #686C78; mso-line-height-rule: exactly; -ms-text-=
size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 3px 0px 0px;" a=
lign=3D"center">=0A<a href=3D"mailto:servicing@upgrade.com" style=3D"text-d=
ecoration: underline; vertical-align: top; display: inline-block; color: #1=
F63D2; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%;">servicing@upgrade.com</a> | <a rel=3D"nonopener" ta=
rget=3D"_blank" alias=3D"support call" href=3D"tel:(844)334-3551" style=3D"=
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padding: 10px 0px 0px;" align=3D"left">=0D=0A=0D=0AIMPORTANT NOTICE: Late p=
ayments, missed payments, or other defaults on your account will be reporte=
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IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INF=
ORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.=0D=0A=0D=0A=0D=0A=0A      =
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y>=0D=0A                <tr>=0D=0A                  <td align=3D"center" st=
yle=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%; padding: 0px;"><img src=3D"https://braze-images.com/=
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iginal.png=3F1688685212" alt=3D"Upgrade" title=3D"Upgrade" border=3D"0" wid=
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g Lender" border=3D"0" style=3D"image-rendering: auto !important; height: a=
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