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How bad is paying a settlement offer?
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What other debts does he have? The Capquest one will be 0% interest and will have a fixed date when it drops off his credit report, so there may be much better uses for his money.0
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Paying a settlement offer = not bad
Adding debt that is unsecured to a mortgage = very very bad
The second takes you from a position where your home is not at risk to the position where it is very much at risk.My Debt free diary
https://forums.moneysavingexpert.com/discussion/6492297/10-000-steps-1-step-at-a-time0
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