Yes! The player who owns your debt can choose to accept a new deal, change the terms, or even let you go from the debt without making you pay anything. It’s up to them to agree to your negotiation or release you from what you owe.

HMT stands for “Haggie Minimum Tax.” It’s a penalty tax only for wealthy players who have reduced their tax bill to zero—because even loopholes have limits! If you earn 30 Haggleoffs or more and lower your tax to zero, you'll be charged a 5% to 10% HMT. This rule is based on real life: the US government has something called AMT, which stands for “Alternative Minimum Tax” for wealthy taxpayers, but at a much higher rate. HMT is only available on TAX404 to keep things simple. Calculating HMT by hand would be too tedious, so the app does it automatically for you.