Deductions without Deductions Settlement Module

What is the best practice for Deductions without using the Deductions Settlement module?

Invoice Related?  Non-Invoice Related?

AR Department doesn't want to leave an amount remaining on the invoice.  Currently a Credit and Debit is created for the amount.  Credit is used to close the Receipt Batch, Debit remians open for investigation.  I think one Chargeback transaction could be used in place of the Debit + Credit when it is related to one invoice, simplifying things.  However, in our case the chargeback isn't a done deal yet; it is still under investigation in a sense.  I guess they could dispute the chargeback until they figure out which way to go with it?