In my opinion, the good-will of a creditor after a charge-off would logically depend upon their current level of total loss.
When they do a charge-off, they communicate their opinion, at least to the IRS, that they now consider the debt "uncollectible."
Hardly a glowing opinion of your probability of repaying legitimate debt.
Providing they write the now uncollectible debt off as a business loss and obtain a tax break from the IRS, they recoup a portion of the loss.
If they then sell the debt, they can recoup a little more. But still a net loss.
If they retain ownership, and you later pay them, then you could offset all of their prior loss by a PIF, or only a portion by settling for less.
So, when all the dust settles, I would bet that they know what their net loss, if any, was. Did you PIF, or settle for less?
I would presume that might be a factor in their feeling of good-will.
