Fitzgerald & Campbell Fitzgerald & Campbell

In 2022, we eliminated over $15 million of client debt!

(This does not include debt eliminated by bankruptcy filings)

Santa Ana Debtor Protection Lawyer 

Providing Debtor Protection to Consumers & Small Businesses Across California

Fitzgerald & Campbell, APLC takes seriously its ability to create a WALL between you and unwanted collection activity. Just like how the government can not speak to you if you have a criminal defense lawyer, Federal and State law prohibits creditors and collectors from communicating with you if you have a lawyer. This is one reason we consider ourselves the "Public Defender of the Civil Law."

A day in the life of a team member at Fitzgerald & Campbell is not easy—but we wouldn’t trade it for the world. We are proud to defend people across California from creditors, debt collectors, banks, and even debt settlement companies that would exploit them. We are your California debt protectors.

Call Fitzgerald & Campbell today at (844) 431-3851 or contact us onlineto meet with our Santa Ana debtor protection attorney!

What Debtor Protection Services Do We Offer?

Debtor Protection is a service we offer to consumers and small business who either: 

  • Can’t pay, or
  • Don’t want to pay, or
  • Shouldn’t pay, or 
  • Don’t owe the debt as claimed by the creditor, or
  • Are being harassed by a collector.

For example:

If you are on a limited fixed income that cannot be attached (such as social security or VA benefits) and you have no other assets, the creditor will not be able to force you to pay. In this situation, we recommend you not pay them. Nor do we recommend that you pay us to file bankruptcy, as there is no need to because nothing to protect the law does not already cover that. However, creditors can still contact you for payment, and you may need our protection to stop that.

What Happens if The Debt Has Passed The Statute of Limitations in California? 

If the debt has passed the statute of limitations (4 years on a written contract in CA), you still “owe” the amount, but the creditor cannot force payment from you. Again, in this situation, we recommend that you do not resolve it unless, for credit rating purposes, you want to. Keep in mind that a derogatory entry on your credit report lasts for seven years. You will want to be certain about when the statute of limitations has expired, and our debtor protection services will assist you with this and make sure the creditor knows this.

You may not be past the statute of limitations but are close or have just decided to “wait and see,” as many creditors do not sue on every unpaid account. You will want the creditor to know that you know your rights and have legal counsel that will defend you or even sue the creditor for violating your rights. This has value, and many creditors will sell debts (a good thing for consumers) or assign them to a collector when a consumer lawyer is involved.

You may not owe the debt at all (or are not sure), in which case you need a lawyer to make your case to the alleged creditor. Creditors do make mistakes. If you owe something, just not what they say, we recommend Debt Settlement services as CA has strict laws about how debts must be settled. We always contest amounts claimed and investigate amounts as a part of all our services.

Contact Our Debtor Protection Attorney Today 

Our debtor protection services may be good for you in many scenarios. You may have already paid the debt, and your payment was not recognized. The same debt may be in collection with multiple collectors simultaneously. You may be an authorized signer on an account but are not responsible for the debt. The card holder may be decreased, but they are coming after you for the balance.  
We always review and investigate creditor claims and have successfully disputed debts hundreds of thousands of times. We have also sued for wrongful claims. Get the right lawyer working for you and get these creditors off your back!

Contact Fitzgerald & Campbelltoday to schedule a FREE consultation with our debtor protection lawyer in Santa Ana! 

We Fight for  Your Victory Over Debt

For us, every case is personal. We encourage our clients to share their stories.


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