Without being rude, you haven't got a clue.
Yes anybody buying the Yanks debt will have to honour the terms of the agreement however, the very best case scenario for them is that the agreement expires in October but it's very possible that the loan has already expired.
For 1 reason or another RBS have failed to call the loan in on several occasions and we've been left in a situation where H&G have stuck to their sky high asking price. If however a potential bidder for the club buys the debt then H&G's asking price will have to become more realistic or risk losing the club and £m's in guarantees.
As for them going cap in hand to other banks looking to refinance; been their, done that and been told to **** off.
The reason why the club is for sale is simply because no bank is willing to lend them the amounts of money they need to keep hold of the club.
REally, because to other people its seemed like LIverpool were for sale about, at most, 25 minutes after H&G signed the papers to sign the club. They want to turn the club over for a profit, and so what its a business, they are businessmen, its what they do.
However to this point they haven't been willing to settle, you seemed to AGAIN miss the major point. RIght now they AREN'T being forced to sell, or settle, which means they also aren't going begging to banks offering good terms themselves. Loans are a two sided coin remember, people taking them out can choose better deals or turn down ones that aren't great. Again try not missing the point, till now they've had the option to turn them down.
IF this guy buys up the debt and changes their options, it also changes their actions and they will be much more willing to accept a much worse loan offer, but that still gets them a loan.
Buying someones debt in no way forces them to sell the club to the debt owner instantly.
You don't know the terms of the loan deal and why RBS haven't taken control of the club already, and neither do I, I don't pretend to however.
I haven't said they won't sell to this guy, I'm just saying a lot of press, and fans, seem to think its the only option, its not, and its incredibly daft to suggest so.
Remember also that many clubs spread out the assets, create parent and sister companies and laden the loans on separate parts of the company, again I have no idea what the situation is at Liverpool, though most clubs have some ludicrous amount of various companies, for a whole bunch of different reasons.
This is all ignoring the other things I pointed out you didn't mention, like for instance, unlike CHelsea who had no one to compete with their spending, LIverpool aren't close to in the same situation as Chelsea when they were taken over(squad quality, league position, competitions quality level), their spending can only buy so many players, most of the top players are at clubs that are more competitive in their various leagues, on silly money already..... who are they going to buy and how are they going to persaude them to come.
Can they get Messi, Villa, Ronaldo, Rooney, Drogba, Tevez, Silva, Muller, Xavi, Fabregas, Puyol, Alves, Maicon, etc, etc, etc...... no, they haven't a chance in hell at getting any of them. WIth all the billions in the world, they can't buy realistically, any of the top 30-40 players in the world right now, its almost, well, too late. I mean city have billions to spend and they've bought very few truly worlds top players, because teams have those guys already