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    #16
    Originally posted by justbroke View Post
    You can settle, but completely discharging the debt is much better and cheaper!
    Absolutely. Especially when the second mortgage has a huge balance. Although we might have been able to settle for "pennies on the Dollar", at $150K, that still would have left us with many "pennies" to pay...
    Filed CH7 9/24/2010, 341 on 10/28/2010, Disch.&Closed: 1/6/2011. FICO EX: 9/2: 672.
    FICO EQ: pre-filing: 573, After BK Public Record: 568, 10/3: 673.
    FICO TU: pre-filing: 589, After BK Public Record: 563, 9/2: 706.

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      #17
      You are right. From your perspective these pennies add up to thousands quickly. In my case it is 34K. Hoping to settle for 2.5-3.5K

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