When negotiating a full and final settlement, it is crucial to consider the safety of funds to protect them from potential third-party debt orders. To mitigate this risk, it is advisable to keep the funds in a secure location outside of your personal bank accounts. One option is to involve a trusted third party or a family friend who can hold the funds on your behalf. By utilising a separate account controlled by someone you trust, you can minimise the likelihood of third-party debt orders affecting the settlement amount and ensure the funds are protected during the negotiation process.