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Unfortunately, yes. They use this as a tactic.. 'this offer is only good for xx days' kind of thing. Then they retract the offer after that. The bottom line though is that if they offered you 35% at one point, it means they will probably accept that much, even it they deny and say only more is acceptable. They sort of tipped their hand.
You send them a settlement offer at 35% and include YOUR terms. You can find good info on settlements at www.creditinfocenter.com.
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