Settlement Offer Calculator
Deciding whether to accept a part-payment to close out an overdue account? Enter the amount, age and risk factors and get a suggested settlement range — plus guidance on when to hold out for full payment.
The account
Security materially improves your leverage and your floor.
When a settlement makes sense
Accepting less than the full amount can be the right commercial decision when recovery is genuinely uncertain — an old debt, a distressed debtor, or a partly disputed amount. A bird in the hand of certain, immediate payment can beat a larger sum that drags on or never arrives. This calculator weighs the age, the debtor's health, any dispute, and whether you hold security to suggest a sensible range.
Protect yourself on any deal
- Always document a settlement in writing, stating it is in full and final satisfaction.
- Don't release security or guarantees until cleared funds are received.
- Consider a professional recovery attempt before discounting — it often recovers more than expected.
This is a heuristic guide for illustration only — not legal or financial advice, and not a valuation of any specific debt. Settlement terms and the wording of any release should be reviewed for your situation.
See what recovery returns first.
Often a professional, commission-only recovery attempt collects more than a discounted settlement — and it costs nothing unless we succeed.
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