The Commission may settle claims not exceeding $100,000 (excluding interest) by compromise at less than the principal amount of the claim if—
The debtor shows an inability to pay the full amount within a reasonable period of time;
The Government would be unable to enforce collection in full through litigation or administrative means within a reasonable period of time;
The cost of collecting the claim in full is not justified by the amount of the claim; or
The Commission's enforcement policy would be served by settlement of the claim for less than the full amount.