For some years my wife has been paying off various store and credit card debts via a debt management company who, naturally, take their percentage before paying the creditors. I have now intervened and contacted Step Change (formerly CCCS) and requested that they take over from the debt management company. Once transferred she may within a couple of months be able to clear all outstanding debts in one payment. I have seen a recent statement from the debt management company as well as an up to date statement from Noodle credit reference agency. Her liabilities are with four well known bank/store card creditors. Prior to paying them off is it customary to see if they will negotiate a full and final settlement figure less than the current amount outstanding ? If so what sort of percentage is the norm ? I appreciate that Step Change can advise us on this but it would be interesting to have some guidance from members here.