Most major creditors have their own idea of what an acceptable offer is.

The proposal will be based upon your capacity to pay calculated from disposable income available.

Creditors will review your offer of settlement with an eye to what was disclosed to them at the time of seeking the original credit.

The budget supplied will be reviewed and any anomalies challenged.

Creditors will read & digest your explanation as to why and how you have arrived at a state of insolvency.

Creditors will generally accept an offer based on capacity to pay provided the information provided is true, correct and verifiable.