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Sale of property and “negotiated/informal settlement”

If you need to move/sell your property and negative equity has been a stumbling block, what are your options?

Selling a property in negative equity and settling the shortfall) has several names, including “Negotiated Settlement”,
“Informal Settlement”, “Debt Write Off”, “Full and Final Settlement”

What does really mean?

Where you’ve decided that selling your negative equity property is the best solution then it becomes a negotiation. Areas for consideration are:

  • How the property is to be sold - this is often overlooked and can be a complex process, dependent on lender policy, your financial situation and circumstances.
  • The level of debt settlement/reduction and how this is to be repaid.
Negative Equity NI are the market leader with this type of innovative debt solution. We negotiate on behalf of 100s of our clients every year, resulting in millions of pounds of debt being written off.


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