Hi it's Madison Cruise calling from underwriting with the tax mediation relief agency I'm wrapping up my end of the month reviews and noticed your account still shows an unresolved balance that could lead to added fees or collection steps if it remains open the good news is that there are active adjustment programs that can help reduce pause or even remove certain balances depending on how quickly it's reviewed each case is unique but many individuals are qualifying right now for lower payments or full resolutions based on their current filing status