Debt Settlement Cost Comparison Calculator

Cost Comparison Results

Total estimated fees under the sample debt-relief company fee model (not including what you pay to creditors)

Total estimated legal fees paid to DiMarco Warshaw Law Firm (not including what you pay to creditors)

Estimated difference in fees between the sample debt-relief company fee model and DiMarco Warshaw Law Firm under the assumptions used here

$0 Based on the information you entered and shared settlement assumptions. Illustrative estimate only; actual results depend on your specific creditors and circumstances.

WHY WOULD YOU SAVE THIS MUCH? Simple.

1. Under the sample debt-relief company fee model used here, fees are based on enrolled debt rather than actual savings achieved. Under that model, the fee stays the same whether the settlement result is better or worse.

2. That means fees under the sample debt-relief company model do not change when the settlement result improves. By contrast, DiMarco Warshaw’s fee model is tied more closely to the savings achieved.

3. Many people do not fully understand how these fees work. They are often told the fees are simply included in the monthly or bi-weekly payments, so the true cost is not always clear.

4. At DiMarco Warshaw, our fees are tied to the savings we help you achieve. That means we only earn more when we help you save more. Our main fee is 10% of what we actually save you, plus a flat amount per account (capped).

5. DiMarco Warshaw negotiators go the extra mile to pursue the best settlement terms we can obtain for your situation. We aggressively negotiate with your creditors, and the more we save you, the better the result for both of us.

6. We negotiate each account directly, starting with the most dangerous. Instead of making bulk "spreadsheet" offers, our negotiators prioritize the most important and aggressive accounts first — the ones most likely to sue — and fight to keep your overall savings as high as possible.

How your results change if settlements come in at 60%, 65%, or 70%

These examples show how the comparison changes if your creditors settle for 60%, 65%, or 70% of what you owe. Lower percentages mean stronger settlements. Higher percentages mean weaker settlements.

Average settlement level	Sample debt-relief company fee model – your net savings after the modeled fee	DiMarco Warshaw – your net savings after our fees	Extra savings with DiMarco Warshaw vs Debt Relief company

These scenarios use the same settlement assumptions for both models; your actual settlements and fees may be higher or lower.

Creditor and Lawsuit Pressure

Your Pressure Level: MEDIUM

Projected savings are often overstated

Plans pitched at "50% settlements on all accounts" rarely play out that cleanly. Some debts settle higher or take much longer, and once company fees are added, real savings can be far less than advertised.

Long timelines increase lawsuit risk

36–60 month programs mean creditors may keep collecting and filing lawsuits while you're still trying to build up enough in the savings account to settle.

Payment burden can become unmanageable

You're often expected to fund monthly deposits, future settlements, and high company fees at the same time. For stressed households, that stack of payments can collapse the plan.

High fees can wipe out the benefit

Even when settlements happen, big fees can eat such a large share of the savings that the relief feels much smaller than what was promised.

Their incentives may not match yours

If a company earns the same fee on a weak settlement as a strong one, they have little reason to fight for the best possible outcome.

Free consultation with an experienced debt solutions attorney

Review your full financial picture with an attorney who can explain your options and recommend the most effective path.

Comprehensive, unbiased legal guidance

We handle debt negotiation, settlement, and bankruptcy (Chapters 7, 11, 12, 13), so our advice is based on what's best for you, not on selling you into a single program.

We fight to maximize your savings

As attorneys, we have a duty to protect your interests and push for strong terms. Our fee structure rewards results, so our incentives are tied to how much we help you save.

Email Yourself Your Detailed Savings Report

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