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The loan must be repaid however the debtor and the LENDER agree. Negotiate with the lender. Good faith offers in bulk (CASH) are usually very persuasive. You natirally WONT agree to a term that you cannot fulfill, and the lender wont agree to a term that doesnt meet their requirements. Some times the lenders requirements are in bulk or total payoff.

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Q: Must bad loan obligations always be paid in a bulk payment?
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