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The settlement agreement letter dated January 11th, 2019, is between creditor Mr. Codis P.S. Perry and debtor Mr. Moses Beep Ari, regarding a debt of 25 thousand due since January 2017. The parties have mutually agreed to settle for 20 thousand due to financial hardship faced by the debtor. The debtor is required to make the payment by 1/6 in peaceful mutual settlement.