Quick background Husband and I closed our business 31st jan, we notified all our creditors 1/1/19 of intention to close and that we intend to honour our debts once shop is closed, stock sold, revenue sorted etc. We didn't want to do the overnight close and disappear but try as much as possible to keep our integrity. One creditor to the tune of 7k (25 years dealing) got very hostile almost immediately. Fair enough. We tried to negotiate a write down and offered 5k, they were having none of it. Before the 31st they passed on the debt to EH debt collection and sent us an email to notify us of this. It seems they had a debt insurance with this company so I don't know if this qualifies as a sold debt! EH have already added on 1k to the bill. Where can we go with this? We were hoping to negotiate with the creditor but now its EH we are dealing with, is there room to negotiate? The original creditors stock was on a 30 days credit but this would have passed by 1/1/19.