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- their situation, talking to the customer will help determine why they were unable to obtain normal finance. Was it because they are on a disability pension, casual worker, self employed, seasonal worker, previous bankruptee, divorce and maintence issue now affecting their borrowing capacity...

Hi, Sorry, the question you asked I've answered many times over. Do a search for "wrap" and "michaelg" there is an abundance of info in here from me, everything from the steps to the problems to the solutions. If there is something I've written you don't understand, ask me and I'll clarify...