Long Beach Debt Settlement Attorneys

Reliable Legal Counsel in Your Corner  

Do you owe an exorbitant amount of debt? Do you keep making payments but you can’t reduce the principal because of high interest rates? Are creditors or debt collectors calling you constantly or threatening to file a lawsuit against you? Are you in danger of losing your vehicle or home to repossession or foreclosure?

No matter what circumstances led you to experience this level of financial hardship, you don’t deserve to struggle everyday simply to make ends meet. But what are your options? At Fitzgerald & Campbell, our job is to figure this out for you. While bankruptcy can be a powerful solution for many people, it may not be right for your situation. Depending on your circumstances, we might recommend debt settlement, in which your creditors agree to accept less than what you owe and forgive the rest. 

We Help Clients Settle All Types of Debt 

When you choose Fitzgerald & Campbell, our team will negotiate with creditors if we believe they might be motivated to accept less than what you owe. Creditors will typically settle your debt if they believe your only other option is to file bankruptcy, which would cause them to lose even more money. In turn, you can pay less than what you owe without going through the process of bankruptcy. 

Our legal team at Fitzgerald & Campbell, can help you settle:

• Credit Card Debt: Credit card companies can be highly motivated to avoid bankruptcy because credit card debt is unsecured, meaning it is dischargeable through bankruptcy (unlike vehicles and real estate).
• IRS Tax Debt: Debt settlement with the IRS is called an Offer in Compromise, which the IRS will accept if they believe your offer is the most they can reasonably expect you to pay. 

Ready to learn more? Schedule your free consultation with our Long Beach debt settlement lawyers by calling (844) 431-3851 today.

Attorneys vs. Debt Settlement Companies

Settling your debt is possible, but it is never guaranteed. Debt settlement companies often promise to settle your debt for pennies on the dollar. They might convince you to pay them instead of your creditors, explaining that creditors won’t settle until you withhold payments. This false information could cause you to lose even more money in the long run and potentially trigger a lawsuit from an unpaid creditor. 

Our qualified lawyers, however, will only recommend debt settlement if we have fully analyzed your situation and believe this is your best option. If we don’t think debt settlement is possible, we will explore other paths. We can also represent you in court if a creditor files suit. In short, we are by your side from beginning to end.

We are equipped to handle each phase of the debt settlement process. Give us a call at (844) 431-3851 or contact us online today to request a free case consultation.