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03 / THE SETTLEMENT COST EXPLORER
Look beyond the headline number.
Change the assumptions to see how creditor payments and fees add up. This is arithmetic, not a settlement offer.
What this estimate cannot tell you
Whether creditors will agree, how balances may grow, how long negotiations will take, or what legal and tax consequences may apply. No amount here is guaranteed.
How the total is calculated
Assumed creditor payment + company fee on the selected basis + account cost × months. It excludes potential taxes, changing balances and other charges.
Next, check the proposal
Ask for the actual fee basis, when fees may be charged and what happens if a creditor refuses. Use our questions before hiring a company.