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Been thrown a lifeline!
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When you are making your F&F offer, play hard ball. Tell them that you are considering bankruptcy (and have been advised to do so) due to a forthcoming cut in wages, but a 3rd party is offering an amount to settle your debts of 20% of the balance. Worst case they will negotiate upwards and you might not need to pay out as much...
Thanks
Do you think think it matters if we write with the offer ourselves or through step change? I wondered if we'd have a better chance with step change. Life is like a camera... Focus on what's important, Capture the good times, Develop from the negatives, and if things don't work out Take another shot.0
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