I have a client with multiple hotels. He came to us for consolidation of 600k. We put the offer out there and we required him to sign a Coj. He refused. He claims that he never signed a COJ and never will.

He has balances with american express, CFG, and national funding.

Do you know if these companies file a COJ? I want to get this done but the client is being a hard ass.

No negative days, brings in 500k a month on average, credit is above 700 and owes 297k in balances.