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Full and Final Offer - any rules to making one?


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Is there a system to making a Full & Final Offer to DCAs? I've seen the letters on this site but is there any guideance on what to go in with? I.e. Make an offer of 50% of the debt firest and negotiate from there?


Thanks all!



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Dependant on how old the debt is when it was sold dictates how much a DCA paid for it.

I would always start low-10 to 20% and have a maximum figure in mind which you won't go over.

Ideally, it would be better to have the F&F paid by a third party as any agreement from the DCA is then binding if they tried to get you for the remaining balance

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