Settlement Range Estimator
Educational scenario estimator to frame realistic settlement options based on judgment amount, debt age, debtor situation, and collection activity.
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How to Use This Estimator
For Debtors
Use these ranges as a starting point for settlement negotiations. Begin with an aggressive offer and be prepared to negotiate upward. Document your financial situation to support lower settlement percentages.
For Collectors
These ranges help frame realistic expectations. Consider the debtor's situation, debt age, and collectability when deciding which range to target. Quick settlements at moderate ranges often beat lengthy enforcement.
Disclaimer: This tool provides educational estimates only and does not constitute legal or financial advice. Actual settlement outcomes vary based on individual circumstances, negotiation, and creditor policies.
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Use our settlement offer builder and negotiation scripts to turn these estimates into actual proposals.