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Am I being over optimistic?

Today I halved a debt with a F&F amount...and I'm awaiting to hear back on another tomorrow morning.

Is it unrealistic to expect that all my creditors will do this?

I just worked out that if I can do this with all of them and with my disposable income of £700 then I could be debt free in 6 months.
Lightbulb moment - 02 Sep 2016 - £51k in debt

Comments

  • geek83
    geek83 Posts: 56 Forumite
    anyone? haha
    Lightbulb moment - 02 Sep 2016 - £51k in debt
  • Westminster
    Westminster Posts: 1,004 Forumite
    Part of the Furniture 500 Posts Savvy Shopper! Debt-free and Proud!
    If all your debts are with DCAs (rather than the original creditors) then you have a good chance of settling them - but most DCAs still hold out for 60-70%
  • geek83
    geek83 Posts: 56 Forumite
    Great, thank you. I have managed a 50% and 60% settlement figure now, which isn't to be sniffed at! :)
    Lightbulb moment - 02 Sep 2016 - £51k in debt
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