It’s early December 2011, and amidst the holiday rush, a letter arrives. It’s in an unfamiliar envelope and looks suspiciously like junk mail, but for an alarming return address in the upper lefthand corner: ELNY Restructuring Support Center. If, as an ELNY payee, you noticed the return address, you might very well open the letter. You would read it, and then you would be faced with an enormous decision: How should I respond? 


ELNY flowchart