116 · COLLECTIONS TOOLKIT · checklist

Collection Settlement Documentation Checklist

Document collection accounts, communications, offers, and next research steps.

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Exact settlement amount is in writingPayment dates and amounts are in writingWho has authority to settle is identifiedHow the remaining balance will be handled is statedCredit-reporting language is reviewed without assuming deletionTax consequences are researched separatelyPayment method and confirmation process are documentedNo access to an unrestricted bank account is granted unnecessarilyFinal satisfaction or zero-balance documentation is retained

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Educational organization and calculation tool only. Verify inputs, rules, deadlines, and outputs before acting. FreeCreditBot is not a law firm, lender, credit bureau, or credit repair company.