In terms of debt settlement any debt under 500.00 does NOT qualify for the debt settlement program. On average, we achieve clients’ up to 50% savings. However, no creditor or collection agency is obligated to settle or remove negative items from your credit report upon payment. Debts over $500.00 we charge 20% of the total savings. i.e. if we save you $200.00 on a debt then our fee would be $40.00.