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A full and final settlement is appropriate when a client has either some savings or has
recently come into an inheritance and will make an offer to repay part of their debt.
The process of delivering a full and final settlement can take anywhere between three
to five weeks depending on how quickly the creditors respond.
As part of the full and final settlement process, Consolidated Credit will negotiate with the
creditors on their behalf. A full and final settlement will cover most unsecured debts
so things like credit cards, store cards, short term loans and utility bills.