Yup, I agree. Tough conversation to have, but at the same time with the way you have presented it here - I think you could do it well. Who knows - they may be able to pay it, pay it but a bit delayed, or maybe they can pay a portion of it that you would be comfortable with. I guess you will have to try and gauge what they are comfortable with, and what you are comfortable with. Kind of sucks all around to say the least, unfortunately.
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