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Wizzart i am sorry for your predicament but realistically only the kindest (or stupidest) person in the world would give you this deal in this climate and I am not even sure if anybody would pay you out minus 20% before they have been paid right now.
I think 20% fee (+WU) and pay on when received may be the best you can get...... or you could raise money another way by selling something at a good price of course.
Anyway, good luck.
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