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Credit Card Debt

California Credit Card Debt Settlement Attorney

Credit Cards Can be Settled! (NO SETTLEMENT- NO FEE!)
Credit Card Lawsuits Can Be Fought & Won!


Credit card debt refers to the money you owe to a credit card company for purchases made using a credit card. When you use a credit card to buy something, you're essentially borrowing money from the card issuer. If you don't pay off the full amount you've borrowed by the due date, the remaining balance accrues interest, which is the cost of borrowing that money.

This debt can accumulate if you consistently carry a balance from month to month without paying it off entirely. High interest rates on unpaid balances can make it challenging to get rid of this debt, especially if only minimum payments are made, leading to a cycle where the debt continues to grow.


Credit card debt can arise from various reasons, often stemming from:

  • Unplanned Expenses: Sudden or unexpected costs, like medical emergencies, car repairs, or home maintenance, might force individuals to rely on credit cards when they don't have enough savings to cover these expenses.
  • Living Beyond Means: Using credit cards to fund a lifestyle beyond one's income level can lead to mounting debt. Overspending on non-essential items, luxury goods, or dining out frequently without the ability to pay the balance in full at the end of the month can contribute to this.
  • High-Interest Rates: Credit cards often have high interest rates, and when balances aren't paid in full monthly, the interest charges can quickly accumulate, making it harder to pay off the debt.
  • Minimum Payments: Paying only the minimum amount due each month might seem manageable, but it extends the repayment period and increases the total amount paid due to accrued interest, resulting in a cycle of debt.
  • Financial Hardships: Job loss, reduced income, or unexpected financial challenges can lead individuals to rely on credit cards to cover everyday expenses when other sources of income are limited or unavailable.
  • Balance Transfers or Cash Advances: Utilizing balance transfers or taking out cash advances from credit cards can seem like a quick solution. However, these often come with additional fees and higher interest rates, potentially exacerbating debt issues.
  • Lack of Budgeting or Financial Planning: Without a proper budget or financial plan, it's easy to lose track of spending habits and fall into the trap of accumulating debt.


Creditors have several options to seek repayment for debts owed to them, particularly in the case of credit card debt. Here are some common approaches:

  • Payment Requests and Reminders: Initially, creditors typically send payment reminders through emails, letters, or phone calls to remind the debtor about the outstanding balance. They may provide information about the due amount, due date, and potential consequences of non-payment.
  • Late Fees and Increased Interest Rates: When payments are missed or delayed, creditors often impose late fees and might increase the interest rates on the outstanding balance. This makes the overall debt grow faster.
  • Debt Collection Agencies: After a certain period of delinquency, creditors may enlist the services of third-party debt collection agencies to pursue repayment. These agencies work on behalf of the creditor to collect the debt. They might use phone calls, letters, and other means to urge payment.
  • Legal Action: If the debt remains unpaid for an extended period, the creditor might take legal action. This could result in a lawsuit, leading to a court judgment against the debtor. If the court rules in favor of the creditor, they could be granted the ability to garnish wages or access other assets to repay the debt.
  • Settlement Offers: In some cases, creditors might offer to settle the debt for less than the full amount owed. Debt settlement involves negotiating with the creditor to reach a mutually acceptable lower payment to consider the debt resolved.
  • Credit Reporting and Impact on Credit Score: Unpaid debts can significantly impact an individual's credit score. Creditors can report late payments or delinquent accounts to credit bureaus, affecting the debtor's creditworthiness and making it harder to obtain credit in the future.


In terms of your legal obligations, Credit Card debt is the easiest of all debt to resolve- especially with the help of an experienced team of credit card lawyers on your side. That is because these creditors have the least rights against you. In other types of debt such as taxes, student loans and secured debts like homes and autos, the creditors have more rights. For example, tax and student loan creditors generally cannot be disposed of through bankruptcy. Home and auto loan creditors can get the property back. With credit cards, other than taking you to court (which they really don’t like to do) all the credit card creditor can do is ask you to pay them.


Just because credit card creditors are among the least powerful creditors does not mean they are the easiest to deal with- even with the help of a credit card debt attorney. Because they have fewer rights, credit card companies must rely on more aggressive ways of demanding payment. As a result, they are many times the ones you hear from the most. They are also the ones charging higher interest rates and pile on tons of extra fees. They are in effect the “squeaky wheel hoping to get the most grease.”


In terms of priority, virtually every other type of debt should be managed first. For example, if you must choose between paying taxes or credit card, pay the taxes as the government tax collector can be much more ruthless and expensive. Paying your credit card before your car payment may lead to the loss of the car. Also, individuals have more protection from abusive collection of consumer credit card debt.

In terms of what credit cards to resolve first, an experienced attorney is essential in order to become debt free at the lowest possible cost. For example, it may actually be best to accept American Express’ 50% settlement offer before accepting a Debt Buyers 20% offer. This is because it is much more likely AmEx will sue you and win than the Debt Buyer. The Debt Buyer will still be there in the future while AmEx offer may go up!


Always remember that until they go to court (and win); the credit card creditor merely has a “claim” against you. As far as the law is concerned, it is merely their word against yours as to what is owed. Unless they go to court to prove it (and win), they cannot garnish your wages, put liens on your house or bank accounts or do anything to you. They can only call/mail/text/email you and report you to the credit bureaus. If you have a lawyer, they can’t even contact you.


Always remember you have rights and that you have what they want: money. They know that bankruptcy will wipe out their claim. They know that collection lawsuits are not profitable for them. Do not pay any amounts to anyone who won’t or can’t prove what is owed. Nor should you pay anyone to “get them off your back”. Fitzgerald & Campbell, APLC can get them off your back and help you decide who, what, when, or even IF, to pay.

Featured Case Results

  • December 8, 2023: Client’s debt was reduced by 100%! In a collection lawsuit in the amount of $31,739.00 that was DISMISSED! After our attorney fees and costs of $709.00, client’s net savings amount was at least $31,030.00 (Discover Bank vs Client Case No. 23NWCV032XX – Los Angeles County)
  • December 6, 2023: Client’s debt was reduced by 100%! In a collection lawsuit in the amount of $24,349.00 that was DISMISSED! After our attorney fees and costs of $3,600.00, client’s net savings amount was at least $20,749.00 (Capital One Bank (USA), N.A. vs Client Case No. 22CHLC174XX – Los Angeles County)
  • November 20, 2023: Client’s debt was reduced by 100%! In a collection lawsuit in the amount of $39,167.00 that was DISMISSED! After our attorney fees and costs of $4,280.00, client’s net savings amount was at least $34,887.00 (American Express National Bank vs Client Case No. 22GDCV002XX – Los Angeles County)
  • October 11, 2023: Client Saved 7,787.00! From a $14,158.00 Chase Bank debt, that was settled for $6,371.00.
  • October 9, 2023: Client Saved 13,321.00! From a $29,603.00 Bank Of America N.A. debt, that was settled for $16,282.00.

See more results here.

DISCLAIMER: Every case is different. Results depend on the unique law and facts of each case. Fitzgerald & Campbell, APLC makes no guarantees or warranties about the outcome of any particular matter or case. The Fitzgerald & Campbell, APLC website, or the information contained within the website, should be construed as ATTORNEY ADVERTISING


Our Debt Settlement fees are: No Settlement, No Fee! They are a flat amount that you only pay AFTER the settlement and IF there is a settlement. Also, the amount of the fee is based on the amount of the debt AT THE TIME you hire us! And or fees are among the lowest anywhere.

IF you have been sued or have a judgment, our fees are flat, fixed, and included ALL expenses. If we settle your lawsuit prior to filing an Answer in the court, WE CUT THE FEE IN HALF!

The credit card lawyers at Fitzgerald & Campbell, APLC make it extremely easy for consumers and small businesses to get the best possible debt relief.

Suggested Reading:


  1. How much Money is needed for a Successful Debt Settlement Plan? In total? Per month?
  2. How Long does a Debt Settlement Plan take?
  3. How much Can I Really Save?

Real Client Results

Conquering Your Mountain of Debt Since 1992
  • $1,043,087.06 settled for $492,701.56 Individual
  • Client Saved $27,433.00! UGH, I LLC.
  • $535,175.56 was settled for $375,000.00 Madison 65 Co
  • Client’s debt was reduced by $314,811.00! National Continental Insurance Company
  • $263,963.17 JUDGMENT VACATED! Los Angeles County Superior Court

Hear From Our Happy Clients

At Fitzgerald & Campbell, your satisfaction is our priority! See for yourself what our clients have to say about working with us.

    "It Was The Right Decision"

    Patricia and Fabiola were both such a great help from the start. It was the right decision to seek legal help when dealing with these debt collectors. The process with Fitzgerald & Campbell was very simple and straightforward, it reduced the stress of my situation greatly for a reasonable price. Highly recommend!

    - C.M.
    "Provided Clarity and Prompt Communication"

    We got involved in a domestication of sister-state judgment (from a vehicle accident in Nevada) that involved a different person with the same name, it was originally served to a different address. Several other attorneys had no clue how to deal with this case, suggesting to get our vehicle insurance involved. Attorney William J. Campbell, Luz Rodriguez and case manager Christina did a great job and provided clarity and prompt communication on how to file a motion to vacate this sister-state judgment. The case is now vacated and dismissed without prejudice. Highly recommended.

    - E.C.
    "Fitzgerald & Campbell is Truly Praiseworthy"

    I was in a difficult and stressful situation. I was sued and served over an old personal loan.
    Fitzgerald & Campbell helped me to settle and lowered the judgment amount in less than a month.
    This firm is outstanding and they care about their clients.
    Thank you, Ms. Patricia Mendez for being so passionate and so helpful about my case.
    Now, am stress free.
    Fitzgerald & Campbell is a truly praiseworthy and highly recommended firm.
    Thank you.

    - E.A.
    "You Are All Amazing"

    Thank you very much, Ma'am for the immediate help.

    You are all amazing!🙏🙏🙏

    - E.A.
    "I Can't Thank Fitzgerald & Campbell Enough"

    I found myself dealing with a judgement and wage garnishment, Fitzgerald & Campbell explained to me what my options were on how to settle and get myself out of this situation. I was supplied and guided on how to fill out proper paperwork and never once had to deal with said creditor myself, Fitzgerald & Campbell did all of the communication between myself and the creditor. I can't thank Fitzgerald & Campbell enough (especially Patricia!) For negotiating a settlement I could pay in full and put this whole ordeal behind me. If you are feeling stranded in a hole with everyone coming at you Fitzgerald & Campbell are there extending a friendly hand to get you out of that hole and back on your feet.

    - S.J.
"I've walked in your shoes! Let me do for you what I learned to do for myself." - Gregory M. Fitzgerald, Managing Partner