I am questioning the Aceppted 4 Value Hype!NEED HELP! Other Debt

Let's start with a definition of A4V.

This is the best one I've read recently.

The fact I've read this doesn't mean I agree with the explanation, or the concept A4V in the legal sense.

Here you go:

https://privatis.me/images/doc/afv/Accepted.for.Value.Explanation.pdf

Okay, now that you've read the definition and a brief explanation, the predicate has been laid.

Tell me what it is, SPECIFICALLY, that you're trying to accomplish.


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For example, a person might say: I want to get rid of $5,000 of credit card debt, my $400,000 mortgage, $150,000 of medical debt, $75,000 of education loans, and $60,000 of IRS debt.

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I wouldn't call that a "brief" explanation.

I managed to get through the first few pages of that hogwash before realizing it was 50 pages of hogwash.

You either file bankruptcy or you pay your debts.

If you have the cash you might be able to negotiate a sump sum discounted full and final settlement.

Thinking you can do away with your debts with some mumbo jumbo hocus pocus is a delusion.