Liens lawsuits & collections
Judgment Settlement Payment Comparison
Compare a judgment payoff quote with written lump sum and installment offers.
How to use this calculator
- Gather current payoff quote; offers; dates; fees. Use documents covering the same date or period.
- Replace the example values with your own figures. Change one assumption at a time to compare scenarios.
- Review offer costs; funding deadlines; savings against quoted payoff. Open the breakdown and export a copy for discussion.
How the calculation works
Installment cost adds the deposit, monthly payments and fees. Each offer is compared with the quoted current payoff; monthly payments are not assumed to continue accruing judgment interest.
Worked example
These results use the editable example values shown in the calculator. They illustrate the method and do not predict an offer or outcome.
- Installment offer total
- $99,000.00
- Lump sum savings vs quoted payoff
- $35,000.00
- Installment savings vs quoted payoff
- $21,000.00
- Installment upfront funding
- $21,000.00
Questions about the results
What does this tool include?
Compare a judgment payoff quote with written lump sum and installment offers. Installment cost adds the deposit, monthly payments and fees. Each offer is compared with the quoted current payoff; monthly payments are not assumed to continue accruing judgment interest.
What should I verify before relying on the result?
Confirm whether interest continues, and require written satisfaction and release terms. This does not predict court relief or settlement acceptance.
What this result does and does not tell you
Confirm whether interest continues, and require written satisfaction and release terms. This does not predict court relief or settlement acceptance.