Negotiation Toolkit

What should you offer?

Settlement ranges aren't magic — they follow the economics of who holds your debt. A debt buyer who paid 4¢ on the dollar accepts far less than your original bank. Enter your numbers and get a realistic strategy.

Current balance they claim you owe

Who holds the debt now?

Original creditor (the bank / card issuer / hospital)Collection agency (collecting for the creditor)Debt buyer (they purchased the debt outright)

What's the account's status?

Behind on payments (30–180 days late)Charged off (typically 180+ days)In collections for a whileI've been sued / received a summons

Enter your balance to see your strategy.

Legal information, not legal advice. These ranges are educational estimates based on commonly reported settlement outcomes — actual results depend on the creditor, the age and documentation of the debt, and your state. They are not a guarantee or financial advice.

Ready to make your offer?

Turn these numbers into a settlement offer letter — with the legal citations that make creditors take it seriously.

Generate my offer letter