Dalfen Courier Inc has a package delivery business. It has a loan of $50 000 from ScotiaBank that is secured on all the assets of the business. It also bought two trucks on credit and still owes the seller $50 000. The seller’s claim is secured on the trucks and has priority over the bank. The value of all the assets of Dalfen is $60 000. Dalfen’s basic business is successful but it cannot always make the $500 monthly payments that it is required to make to each of these two creditors. Dalfen wants to make a proposal under which the creditors agree to reduced payments of $250 per month each. If you represented ScotiaBank, would you recommend approving such a proposal? Would your advice be different if you represented the truck seller?