Debt Settlement Calculator

Estimate realistic settlement ranges based on who owns your debt and how delinquent it is. Know your opening offer before you call.

Settlement Estimate

Opening Offer
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Start here. Never lead with your max.
Likely Settlement Range
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Most settlements land in this range
Your Walk-Away Number
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Don't go higher without strong reason
Get the Scripts to Use These Numbers →

How This Calculator Works

Settlement amounts depend on three main factors: who owns the debt, how old and delinquent it is, and whether you can demonstrate financial hardship. Debt buyers who purchased your account for 3-10 cents on the dollar can accept 25-40% and still profit. Original creditors who have the debt on their books at face value typically need 40-60%.

These are estimates, not guarantees. Individual negotiation, lump-sum availability, and specific collector policies vary. See our full guide on settlement amounts for context.

For best results, get the agreement in writing before paying. See the settlement offer letter template.