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as i uh at the very least adam braided in the last little discussion bankruptcy if you cant get the creditors on board well you can try further negotiations maybe you can convince them of the wisdom of accepting a modified proposal but if the creditor is just adamant that its not going to accept what youre proposing then you have to think in terms of bankruptcy because there you have the power of the united states federal government to step in and at least in some circumstances force the creditors to accept what youre proposing so sometimes that can be a good negotiation tool when youre in the pre-bankruptcy setting and i have used that in negotiations usually in this form look my client is a good candidate for chapter 7 bankruptcy if my client files that chapter 7 bankruptcy case you youll get nothing wouldnt it be better to get a little something if you uh work with us and we propose to pay you something youll be better off than if you maintain this embankment mindset and you