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[Music] hey everybody michael bovee with consumer recovery network and im back to talk a little bit more in actually great detail about prioritizing the accounts that you settle with first second third fourth ive got an article about that that you can go visit um you can see the link on the screen so first you determine that settlements right for you okay once you do that if youve just got one account theres no prioritization you just get started if you have more than one account it suddenly becomes a little bit more important to determine if you only have enough money to do one at a time while you choose one over the next one some of the formula that goes into determining that is your cash flow and when youll have enough to do the second one it also determine is determined by how late are you on a specific account for example lets say you have three accounts and youre super late on one and barely late on the other two well then the one thats the latest will often get the att