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Full & final offer%/bal trans/bruptcy


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HI guys! wonder if you can help?--- Am I allowed to balance transfer an amount from my partners card (main card that we share,shes the principal c/holder) to my card. Advtgs are total debt reduced, morally we primarily lived on this card so I would like to pay it off. So amount reduced, now she can offer a large lump sum approx 31% of total. If bal trans not ok ie might upset other c/card co`s (is this considered preferred crediting, I`m paying it as an add c/holder not her--does this make a difference?) regards full&f settlement offer or b/ruptcy it would be 35% offered, So what amount to start offering, 25%? As this is a straight offer, no IVA for 5yrs also no IVA costs is what I propose viable and allowed? Thanks G

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