Does paying a higher amount raise the early resettlement figure?

DavidLaGuardia

I was wondering:

if a borrower has made reduced payment arrangements with creditors and/or agencies to whom the debts have been sold, should they then decide to make an offer in full and final settlement, would the level and legth of time of the reduced payment to date affect the acceptance? In other would would a track record of payming a higher amount make the creditors less willing to accept an offer they would accpet from someone who has been paying less per month bsased on the fact that future assumed payments are presumed to be more valuable to them, thus acting as a prejudice against those who have tried harder? If this is the case what advice can be offered?