I'd be tempted tfor her write to them saying she may be able to secure some funds from a third party for the value of example £10,000
Her total debts are
Firm A example £8000 (33%)
Firm B exampl £6000 (25%)
Firm. C exampl £10,000 ( 42%)
Total A+B+C is £24,000
I would like to offer a full and final settlement of these funds introduced by a third party distributed by equal percentage amongst the creditors. In retun each creditor will agree this debt is settled/satisfied or partially satisfied and close the related accounts within 30 days, and update the credit reference agencies with this information.
Each creditor would receive their respective equal share bla bla bla
Please advise within X working days in writing if your firm would be willing to accept these terms as final settlement on my account bla bla bla
They can only say no, they might come back and say they would accept more, but the key thing is you need agreement from each firm, I would go in relatively lowminitsllynto create wiggle room.
If successful do not pay a penny until you have written agreement from them.
There is some helpful,info here
http://debtcamel.co.uk/debt-options/les ... ull-final/
Regarding them adding interest again, thy can do that but at the end of the day just stick to your DMP, I wouldn't mention inheritance to any creditors for now becaue they could try and out the squeeze on the wife to scare you into an IVA/bankruptcy which could lead to them getting all her inheritance
