Whether you decide to enroll in a professional debt settlement program or negotiate settlements with your creditors on your own, the process is the same. The settlement company will require you to sign a limited power of attorney, so it can negotiate on your behalf. You’ll then need to set aside money to build up a settlement fund. Once you’ve saved enough to make a reasonable settlement offer, you or the professional debt negotiator will negotiate with the creditor for a reduced payoff amount, typically between 25% and 50% of the outstanding balance.

Once the creditor agrees to the settlement amount, you make payment and the account is paid off. (typically listed as settled-in-full, as opposed to paid-in-full, but is determined by the creditor). You then continue putting money into the settlement fund to accrue enough money for negotiating the next settlement. Basically, the process is a cycle of saving up and setting aside money, negotiating a settlement and paying the settlement.

Since investors are smart and informed, when they know the manager only has number of shares in his/her hand or even the manager has no personal interest stick to the firm, do you think the investors will put their money into the firm or value the firm’s stock price under normal stock valuation rules?
What is meant by normal stock valuation rules?