Hey everyone, I'm new to this site, I've read up on a lot of posts and it seems like a great community. After a few years of making small payments, missing payments, ignoring letters from creditors (the usual stuff eh), I've decided to write to them all making F&F offers. I've been living in U.S. for the last 2.5 years, but have had the letters emailed to me through a relative. To cut a long story short, I'm pretty broke and currently unemployed. I'm a UK citizen but am currently a U.S. resident. To be clear, I don't want - nor has it ever been my intention - to abandon my debts and live out here until the 6 year period is up. I came over with the best intentions of getting a high salary and everything working itself out, but that unfortunately hasn't ended up happening. Big surprise eh! I've got 10K of debt (phew, that feels good to say it out loud, so to speak), and like most people on here once I get a good paying job I just want to get on with my life, without being burdened with a pile of debt. A family member has offered to help me settle the debts, but they only have a limited amount, so I'm going to make F&F offers to all of the creditors. My question is - should I state in my letters that I am residing overseas? And if so, how should I word it? On one hand, I don't want to be deceitful in making out that I'm living in UK (although that's what I have been doing for simplicity's sake). On the other hand, I really don't want them to demand my US address / phone number / whatever for communicating with me. Is this something they even care about? On another note, will it help my chances of bartering with them if I say that I'm overseas? i.e. a broke, jobless guy who has been in default for the last 2-3 years and isn't even residing in UK might make them think "We'll take what we can get". I don't know...what does everyone think? Cheers Rob