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I was pleased to hear back from you, and I'm excited to see where this new position leads. I have reviewed the terms of employment as set out in the contract and am happy to accept my starting salary of [salary] for this position.

Make sure you have the conversation as quickly as possible and before you move any further in the process. Strengthen your negotiation with examples of how your salary is not in line with standard market rates, or how you will provide more value than your salary reflects.

Negotiate. What do your supervisors need and or want that would entice them to pay you more? There may be opportunities beyond what's being offered. You may be required to work less appealing shifts, but your police salary increase might be worth it.

Thank you for your offer of [offered amount]. I am very excited about the opportunity to work with you, and I am confident that I can bring value to the company. However, I would like to negotiate my starting salary. After doing some research, I believe that a fair wage for my position would be [proposed amount].

A Chapter 7 filing may discharge all that the debtor owes, and thus Congress wanted to ensure that only those who truly needed this tool were using it. If the means test shows that a debtor makes too much money, it is presumed that the debtor is attempting to abuse the bankruptcy code by filing for Chapter 7.

Objecting to a Discharge Generally This might be appropriate when the debtor lied to the bankruptcy judge or trustee, made false statements on the bankruptcy petition, fraudulently transferred title to property, destroyed property, or disregarded a court order.