You have been analyzing your cash flow for the next thirty days and realize you will be significantly short in meeting your financial commitments. One account you owe equals your short fall by itself, and the check must be mailed tomorrow. Two other accounts combined also equal your short fall, and both checks need to be mailed the day after tomorrow. You cannot afford to create a poor credit history because of a pending loan approval with all three accounts being critical credit references. Analyze the power factors, set up your negotiation strategy, walk through a scenario.