Not everyone with a debt problem needs to file bankruptcy. As a debt law firm, we help people petition for bankruptcy protection under the United States Bankruptcy Code. But filing for bankruptcy isn’t always the best or first choice for every client. If you have a steady income and the ability to repay your debts with a bit of assistance, we can provide debt negotiation services in cases where bankruptcy is not appropriate.

Unlike credit counseling organizations that simply provide advice, as your legal representative, we work with your creditors and lenders to stop debt collection activities, settle lawsuits, and provide for lump sum repayment of credit card and other debt for less than the full repayment amount. Our legal expertise and knowledge of the Fair Debt Collection Practices Act (FDCPA) can put you back in the driver’s seat with a realistic and achievable plan that protects your property and your credit.