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The short answer
No reliable creditor-by-creditor success or discount table was established from the public sources reviewed. A promised percentage would give more certainty than the evidence supports.
What a defensible creditor table needs
For each creditor, an outcome dataset needs the number of enrolled accounts, balances at enrollment and negotiation, account age, ownership, offers, payments completed and unresolved accounts. Results limited to accepted deals omit refusals and people who left.
How to evaluate an offer without a typical rate
Compare the written settlement payment with the correct balance, all fees, tax questions, the deadline and whether it releases the entire account. Check the present owner rather than assuming the original bank still decides.
| Available evidence | Useful for | Cannot establish |
|---|---|---|
| Official hardship page | Where to ask about account-specific options | A standard settlement percentage |
| Written offer for your account | The terms offered to you | What other customers should expect |
| Industry outcomes study | Reported results in a defined population | A current price for a named creditor |
A percentage can hide a changing balance
Illustration only: a $10,000 enrollment balance grows to $12,000, then a creditor accepts $6,000. That is 50% of the later balance, but 60% of the original balance. A separate $2,000 fee makes the outlay $8,000 before other costs. Neither percentage is a prediction.
Dates and future updates
This is a public-evidence review dated October 19, 2026. It is not a quarterly proprietary data release. A future dated table would require a documented dataset and a reproducible method. Browse the creditor guides for current official contact and hardship paths.
Sources & further reading
Sources checked October 19, 2026. Rules and programs can change. This article uses AI-assisted research and has not received attorney or other professional signoff. Read our editorial standards.
Keep exploring
Educational guidance for U.S. debt situations. This page does not decide legal rights, eligibility, fees or suitability. If you have a court, property or service deadline, seek appropriate help promptly; reading this page does not extend it.