Also, many hospitals will offer generous discounts if you offer to pay the full amount owed after the birth. (thenaturalmommy.com)
This is an agreement between you and the IRS that settles your tax liability for less than the full amount owed. (hrblock.com)
Your creditors may agree to a settlement on the theory that something (less than the full amount owed), is better than nothing (what you are paying them now). (growingfamilybenefits.com)