Settle Your Debts Without Filing Bankruptcy
Debt settlement lets you negotiate with creditors to reduce the total amount you owe and repay it over time without filing for bankruptcy. It's an ideal option for people dealing with unsecured debt like credit cards, medical bills, and personal loans.
We work directly with creditors on your behalf to create a realistic settlement plan that fits your financial situation. If you're overwhelmed by debt but want to avoid bankruptcy, this may be the solution for you.
Talk to Atty. Dave Falvey
Why Creditors Work With Us
Most creditors are willing to accept a well-structured debt settlement plan especially when it comes from a law office. Once we represent you, all collection calls must stop. We notify your creditors, and any further communication is legally redirected to our office.
The Fair Debt Collection Practices Act supports your right to legal representation, and creditors take these negotiations seriously. Our goal is to secure strong settlements while shielding you from the pressure of direct contact.
Talk to Atty. Dave Falvey
What You Can Expect From Debt Settlement
You don't need to include every debt in a settlement. You only the unsecured ones. We'll review your accounts, run your options through our planning software, and create a strategy that's fair and achievable.
While your credit score may take a hit during the process, we help you rebuild it over time. There are no surprise fees, even if negotiations take longer than expected. And if bankruptcy turns out to be the better fit, we'll explain why and guide you there instead.
Talk to Atty. Dave Falvey
Why Legal Representation Matters
Unlike debt settlement companies, we're a law office that offers legal protection and real accountability. We don't push you toward a one-size-fits-all solution.
Instead, we give you a full breakdown of your options which are debt settlement, Chapter 7, or Chapter 13 so you can make the best decision for your situation. Creditors take attorneys seriously. And when you say, "Call my lawyer," they're required to do exactly that. We'll take it from there.
Talk to Atty. Dave Falvey
860-449-1510