Do not worry, if your offer of a full and final settlement is rejected by a creditor, Obviously a creditor wants as much money as possible and you want to settle the debt at a lower figure. Very rarely will a full and final offer be accepted immediately. As soon as your full and final offer is rejected, write to the creditor and show them why they should accept your offer. Search this site for more u003cstrongu003efull and finalu003c/strongu003e offer information.