Typically debts are settled in the range of 40 to 50 cents on the dollar. Sometimes the range is lower, and in some rare instances it can be as low as 7 or 8 cents on the dollar. But typically you’re going to be in the 40-cents-on-the-dollar range, and that means that, including the fees of a debt settlement firm, you’re looking at paying about 50 to 60 cents on the dollar, total.