Start with a consolidated view
Gather overdue amounts, receivable and customer counts, aging brackets and available history. Identify concentrations that may affect strategy.
Define commercial limits
Maximum discounts, installment counts, minimum down payments and exception rules guide negotiation. The creditor continues to define these limits.
Treat simulations as scenarios
The 30%–40% reference is a potential estimate, not a guarantee. Portfolio quality, age and negotiation terms affect possible outcomes.