debt

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can anyone let me know about this i got a letter about a debt this morning offering me the chance to a reduced settlement amount if i can clear the debt in etheir a lump sum or by monthly repayments thats what it stated in their letter. then when i call up to offer some kind of monthly repayment plan i was informed that it was only limited to three months. im not sure if i was right in doing this but i stated to the girl on the phone that nowhere in the letter does it state that this is a limited offer on the monthly repayments she just said this was the way it was, i said to her i wasnt going to get at her as she just the joe at the end of the phone and asked for her supervisor which surprise surprise there isnt one available so will call them back anyways just before i do call back am i right in saying that if they havent stated in their letter that it is a 3 month limited offer that they can accept my offer of payments to pay off the debt at the reduced settlement rate? they threatening bailiffs or attachment of earnings or a charging order against property i assume they cant do the property thing as i dont own the house actually dont own much cept me kids beds and my computer and my wages are crap term time only so what exactly cant they do i been thinking bankruptcy looking better than this hanging over me.........any help will be appreciated........