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In another thread several posters have been helpful to point out that not everyone wants to take on the burden of litigation. So I wanted to have a frank and honest discussion of available means to leverage a liveable solution. I invite everyone to the discussion but must caution everyone that we are not here to bully any single agenda through but must make a negotiating salad so to speak. So please keep the language G rated and everyone respect all opinions, even if you don't agree with them. Without further adieu, lets define the problem: Some people do not want to slug it out in court, but they will get raped when negotiating a settlement or payment plan or terms. So we frame that along those lines "WTFrog do I do now" I for one if I ever decided not to fight it out (Don't get your hopes up debt collection scum), would like to see some favorable terms for settlement. One issue: would be that they take what they are given and report it to the CRA's correctly, and if they breach they cannot collect any further payments.