Debt Settlement

Debt Settlement – Why You Need a Debt Attorney?

Are you facing more debt than you can handle? Are your debts increasing every month due to late fees and higher percentages? Are creditors or bill collectors harassing you – or worse, calling people you know? Are your wages being garnished, or your bank accounts being levied or attached? Are you looking for a realistic way to settle debt?

There are many reasons that can cause even the most financially responsible person among us to get into overwhelming debt, including loss of a job or a salary reduction, divorce or medical bills.  If you are one of the many Americans struggling with ever-increasing bills, or worse, collection letters, despite your best efforts to pay your debts, you might be considering filing for protection under the federal bankruptcy laws. While most people are aware of bankruptcy and the stigma attached to it, fewer are aware that there is an alternative form of debt relief: Debt Settlement.

How Debt Settlement Works

Debt settlement is a legal process of debt reduction in which the creditor and debtor agree on a reduced balance that, once settled, will be regarded as payment in full.

When a debtor is unable to make the minimum monthly payments on an unsecured debt such as credit card debt or medical bills, balances continue to grow due to ongoing interest and late fees. In order to stop this cycle of ever-increasing debt, negotiations between the debtor and the creditor can result in a reduced balance that the debtor can realistically pay off with regular payments.

Debt settlements can lower consumers debt balances dramatically and save debtors from the stigma of bankruptcy. The creditor, who risks losing all monies owed if bankruptcy is filed, still regains a large part of the debt.

Settling Debt can truly be a winning solution all around by avoiding bankruptcy, stopping creditor harassment, satisfying your debts and saving money!

How Our Debt Settlement Attorney Can Help You Settle Debt

debt settlement

Getting in touch with Debt Help Lawyers well versed in the debt and credit industry can be your first step towards settling debts. Knowledgeable and skilled debt settlement attorneys are qualified to review your case and determine with you which debt-relief option is right for you.

Once you retain the services of a Debt Settlement Lawyer, any short-term financial emergencies you may have can be immediately addressed. After that, a long-term plan can be made to resolve your situation. Our debt help attorney will assist you every step of the way, from your initial debt negotiations to fulfilling your payment plan.

Reduce your stress by letting Debt Help Lawyers handle debt negotiations with your creditors for you. If creditors harass you or become abusive, Debt Help Lawyers will enforce the provisions of the Fair Debt Collection Practices Act (FDCPA) to ensure your rights.

With the help of professionals with years of experience in the debt and credit industry, you can start paying off your debt with a realistic plan that you can handle.

Law Firms vs. Debt Settlement Companies Law Firms Debt Settlement Companies
We are attorneys
Talk directly to our attorneys about
your case
Licensed in house attorneys
protecting you
In house bankruptcy department
We sue debt collectors who violate your rights
We can make debt collectors stop contacting you
Court representation available by lawyers*
Court mediation presentation available by lawyers*
Proven settlements
Creditors work with law firms
Financial analysis reviewed by attorneys
Negotiations reviewed by attorneys
Attorneys legally fight for lower settlements
Attorneys respond to legal demands from collectors
Member of state bar associations
Affordable representation
Peace of mind
Only attorneys do legal work (debt settlement companies cannot)

Call 888-595-9111 to talk to a consumer attorney or complete the form for your free attorney consultation and debt help review.

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Disclaimer – Submitting this form does not establish an attorney/client relationship – that will be established only upon our mutual agreement and execution of an attorney client contract with the law firm to whom your inquiry/submission is referred. As such, information sent in a request for a brochure/information may not be kept confidential and may not be protected by the attorney/client privilege, however, any such information will not be disseminated in any way or for any purpose other than that stated above.


  1. I have 21000 in debt, and I want to find out my options. I have been told many things: I want to know why I should go for consumer credit counseling, which would cost me 24400, or a debt settlement company, which would cost me 19000. Or should I just deal with the calls (I can block them on my phone) and wait for it to go away? Don’t they write it off after 3 years in Mississippi? What if they resell or transfer the debt? Does the timeline start over? This is what I’ve heard.

    I want, obviously, the solution that is going to cost me the least, and repair or not damage my credit further. How do attorneys recoup their fees in this situation? Do they charge a flat fee, like debt settlement does? Does how much they get depend upon how much they save me?
    So many things to consider.

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  2. You may have experienced a Fair Debt violation(s), the Debt Help Lawyers at this site can provide you a free, no obligation Fair Debt consultation. Give us a call and let’s figure out how to get you some real help, you may be entitled to $1,000 or more! Additionally, you may also benefit from re-prioritizing your debt through debt settlement by resolving these old account for less than what is owed, call us at 888-595-9111 and we’ll get you taken care of.

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  3. I am considering bankruptcy, however I do not think I am a good fit as I think I have the means to pay. I have a lot of old debt and once such company is suing us now and are about to garnish wages. I was never served any paperwork from the courts about a lawsuit . . . I live in Illinois. Most of this debt is over 7 years old.

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