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Debt Settlement Offer

What Percentage Should I Offer to Settle Debt?

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Why are we asking this question?
By knowing how much debt you owe, we can ensure we are able to offer you the most appropriate debt solution for your needs. Some debt solutions, like an IVA, require you to owe more than £5,000.

If you have been lucky enough to receive a windfall of money and you want to use it to clear off some debt that has been troublesome in the past, then a Debt Settlement Offer can be a great way of doing so.


A DSO involves contacting your individual lenders and ‘making them an offer’. The offer you make should obviously be lower than the actual amount you owe. Under the correct set of circumstances, your lender may consider it in their own best interests to take the money.


But how much should you offer? 

Offering too much money means you will be paying perhaps, more than you should have done, whereas offering too little will usually result in the offer being rejected. So, how do you get the balance right? 


Take a look at our Debt Settlement Offer page to find out how best to calculate the correct amount for your offer. 

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