Can I ask lien holder to accept lump sum payment
Is it feasible to ask a lien holder to accept a reduced amount if you can pay them in a lump sum? I am discharged in a chap 7, no asset bk and just cannot reaffirm the loan for original amt. but need to keep the property since I use it in making my living. Do I have to work this through the bk attorney or deal direct with them.