There are many factors that go into a negotiation with a creditor. We always try to get you the lowest settlement, but sometimes it makes more sense to settle at a higher amount on an account for your overall program strategy.

For example, a past due account with a high balance will accumulate interest and fees at a faster rate than an account with a lower balance.

However, once a settlement is authorized, those charges stop accruing. In that situation, it might be in your best interest to settle an account more quickly even if the settlement percentage is higher.
When we created your program at enrollment, we used our experience working with your creditors to estimate what they will settle for and accounted for this in your program deposit.