After six hours of mediation the parties are close to impasse. Plaintiff has $75,000 in medical liens. Defendant is asked to give their absolute highest offer. The offer will last seven days. Defendant offers $40,000.

Plaintiff then takes the offer back to medical liens holders. The lien holders have written off the bills. They see this as "found money".  The lien holders take pennies on the dollar and the case settles.