Which ever method may be appropriate for you to raise funds for a full and final settlement, before you take out a further loan or sell assets or investments always seek expert professional advice. A Full and Final Settlement Offer will only be a suitable strategy if you have access to a large amount of capital, or if you have assets (such as property, antiques, works of art, investments, etc) that you are prepared to sell in order to raise the required amount of money to make an offer to your creditors. You may have access to a lump sum due to a recent windfall, or have some savings you could use. You may even have a generous friend or relative who is willing to contribute a lump sum in order to help you deal with your debts. If you are intending to sell any assets in order to raise capital, it is important that you only sell items that are not 'essential'. For example, if you need a car for work or because you live in a rural area with poor public transport, it is not advisable to sell it. Likewise, certain household items (such as cookers, fridges, beds, furniture, etc) are essential for maintaining a healthy standard of living. We advise you seek expert financial advice before you decide to sell anything if you are intending to sell any investments, endowments or insurance policies. A professional debt adviser may be able to provide you with an alternative strategy for dealing with your debts
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There are many different ways that a lump-sum amount could be raised for your full and final settlement;
Lower Monthly Payments 
Stop Creditors Chasing