Negotiating with bank
I have a Chap 7 Discharge; my truck which I need for earning living can be repossessed by the bank. This bank is holding a CD for collateral of $50K against the truck; this bank has also violated the Chap 7 injunction by continuing to send collection ltrs on truck and other loans. Would it be ethical to write and offer them a REDUCED lump sum to pay off truck (I can borrow this from relative) and if they agree, I will not sue them for violating injunction? Would this be legitimate?