Real ChatGPT answer · index seedyRHLAZuJYPUcompleteFinance and banking · credit scores and repairlocal
What are the current settlement percentages that debt collection agencies typically accept for less than the owed balance on an old charged-off credit card account?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the current settlement percentages that debt collection agencies typically accept for less than the owed balance on an old charged-off credit card account?
1 real search · 1 real-search pass
2026 current typical debt settlement percentage charged off credit card debt buyers negotiation CFPB consumer adviceGoogle ↗
OBSERVEDReason
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (1)
Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT1 real searches · gpt-6
2026 current typical debt settlement percentage charged off credit card debt buyers negotiation CFPB consumer advice Google ↗
- The Consumer Credit Card Market Report to Congress · files.consumerfinance.gov
- The Consumer Credit Card Market Report to Congress · files.consumerfinance.gov
- How do I negotiate a settlement with a debt collector? · consumerfinance.gov
- How Much Will a Debt Collector Settle For? · nolo.com