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Take less now or wait for the full amount?

Someone offers part of what they owe now, or all of it later. See the chance of repayment below which taking less now is the better deal.

Amount they'd pay now ($)Full amount they'd pay later ($)Months until "later"Your honest chance of getting the full amount by then (%)What your savings earn a year (%, optional)

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General information, not financial, legal or tax advice.