Full & Final Settlements make the figures stack up better
Whenever I see an unsecured debt, I always see it at 50% or less. Unsecured loans and credit cards can be negotiated down. Providing the debts are unsecured and over about 15k.
There are many cases when the vendor is selling their property because of debt and arrears.
Full & Final Settlements make the figures stack up better. Not only are you offering to buy the property and preventing a repossession, there is also an opportunity to reduce the unsecured debt (50% or more), making the final figures better for you and the vendor!