Negotiation Intel
Reduce every lien from knowledge, not guesswork.
Most lien negotiation starts blind. Closeout puts the carrier's real numbers in front of you, what they accept, how far they reduce, who to call, so every lien comes down further.
The gap
You negotiate blind.
A reduction request goes out. The carrier counters, or it doesn't. Is their number good? Could it be lower? Most firms have no way to know. The leverage in a lien negotiation is knowing what that carrier has actually accepted on cases like yours. That knowledge is sitting in other firms' closed files, not yours.
The approach
Know the carrier before the call.
Closeout reads the plan for you. Drop in a plan document or a member ID card and it extracts the carrier, the plan type, ERISA self-funded status, and the subrogation language, with citations.
Then it shows you that carrier's real history: who to contact, which recovery vendor they use, how fast they respond, and the reductions they have actually agreed to. You set the target before you make the ask.
Outcome
Every lien negotiated down to what it should be.