Linda,(posted 7540 days ago)It is unlikely that NHL (Paragon Finance Group) have sold the debt to AIC, more likely that AIC are acting on their behalf.
Little concerned regarding your full and final settlement offer, I hope this was offered 'without prejudice' or without admitting liability?
Each case is dependant on its own merits, there is no magic formulae for calculating what a lender or their collector will accept in full and final.
A lot of their decision is based upon what you earn and what you own, the less you have, the less they will accept.
Also i note you mention taking a loan out, has AIC suggested this? DO NOT (unless a brilliant Full and Final Settlement is reached) EVER TAKE A LOAN OUT FOR A SHORTFALL DEBT.
As Mark says, seek help.
Good Luck