Reference Data

Average Settlement % by Creditor

Ranges compiled from published debt-relief industry sources — used as a general reference for what a lump-sum offer might look like. Individual results vary by account age, hardship, and negotiator.
ℹ Compiled from public sources, not company-confirmed. These are commonly reported ranges, not figures published by the creditors themselves — actual outcomes vary case by case. See sources at the bottom of this page. Last compiled: July 2026.
What Affects Your Settlement Percentage
The ranges above are a starting point, not a quote — several things move where your actual offer lands. Timing matters most: creditors rarely discount a balance they still expect to collect in full, so offers before charge-off tend to sit at the low end of a range, while post-charge-off offers (once the creditor has already written off the loss) run higher. Who holds the debt matters too — an original creditor and a debt buyer who purchased the account for pennies on the dollar have very different incentives. Balance size, your state, how many accounts you're settling at once, and your negotiator's experience with that specific creditor all factor in as well. See why creditors don't all behave the same way for the full picture.
Average Settlement % — Ranked
Bar shows the average; the light band behind it shows the typical low–high range.
Creditor Detail
0 creditors
Sources
• Settlement Percentage Chart by Debt Type — SoloSuit (medical, personal loan ranges)
Common Questions About Settlement Rates

Will my creditor accept the same percentage everyone else got? Not necessarily. These are typical ranges, not guarantees — your actual offer depends on your specific account, its age, and your negotiator.

Does settling before or after charge-off change my rate? Usually yes. Creditors tend to offer smaller discounts before charge-off and larger ones after, since they've already absorbed the loss on their books by then.

Can I negotiate lower than these ranges? Sometimes, especially on older, charged-off accounts held by a debt buyer. An experienced negotiator who knows how a specific creditor typically behaves can often do better than a generic starting offer.

Disclaimer: Settlement percentages are illustrative and not guaranteed. Actual outcomes depend on the creditor, account status, hardship documentation, and negotiator. The Clear Settle is a lead generation service and does not itself negotiate settlements. Results vary; consult your assigned debt settlement company for figures specific to your account.

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