The story of a skeptic ~~~~~ I really didn't believe this could work, but thought I'd give it a try.

I wrote my first check several months ago, and within days, I received notification that I had to pay back an overpayment of several hundred dollars to my ex's pension fund. Just my bad luck - LOA is supposed to work the other way!!! I wasn't about to give up on LOA tho, and continued writing checks. Last month I received a letter from the insurance carrier of a company I worked for, for about 12 years when I was in my 20's and 30's, until they went out of business. It seems I might be eligible for pension payments from them, and I didn't even know there had been a pension plan there!! I filled out the paper work and sent it back and forgot about it. Then last week I received another letter from them, stating that they were sending a lump sum check to me - a very nice amount at that. And I also got a small tax refund that I didn't expect to qualify for this year, but nothing like that pension check!!!

So does LOA work, or is it all just a coincidence???? I guess everybody has to judge for themselves, but I know that I'll keep writing them!