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Credit Card Debt

Avoid bankruptcy by settling your credit card debt for a fraction of the balance.
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Business Debt

We assist many business owners to help free up cash flow by negotiating SBA loan debt or other business debts.
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Mortgage Debt

We help negotiate and navigate the difficult waters in freeing you from mortgage debt.
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Student Loan Debt

With new laws regarding student loans, it is even more difficult to get debt relief from loans. We help resolve student loan debt issues permanently.
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National Debt Settlement Lawyers

Wondering what makes using a debt settlement lawyer different than most other debt settlement companies? By using a Debt Settlement Law Firm you are represented by a licensed attorney, one that can defend you against credit card lawsuits in the case you have been sued. We use the law to protect our clients .

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Common Debt Topics

Debt Settlement & Debt Consolidation

What is the difference between debt settlement and debt consolidation?

The difference between debt consolidation and debt settlement is big. In debt settlement, an attorney negotiates with your creditors for a significant reduction in the balance claimed due. You make one monthly payment to a trust account, and an attorney handles everything else, including all phone calls and communications with the creditors and debt collectors. When a debt is settled, the attorney will receive written confirmation, and then, arrange for payment to be sent to the creditor from the client's trust account. In debt consolidation, there is no attorney involved and you pay 100% of the principal claimed due plus additional interest and late fees. How does that happen? All your unsecured debts are added up, the debt consolidator pays those debts and gives you a new loan for the total amount due. Then, you start paying the loan and new interest to the debt consolidator..
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Negotiate Debt Balance

Can debt settlement really allow me to pay back less than I owe?

Debt Settlement is a process in which reputable law firms like McCarthy Law, negotiate the outstanding debt balances owed on behalf of its clients. Debt settlement offers a real way to see an end to your debt through monthly affordable payments over a term as short as 24-28 months. In addition, the balances are typically substantially reduced.
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Credit Card Debt Settlement

What qualifies for credit card debt settlement?

Credit card companies and other creditors usually do not have specific guidelines on what they will settle for, however, good debt settlement candidates are usually those who can no longer afford their minimum payments, are losing sleep thinking about how much debt they have, and their credit card balances are the same or higher than they were a year or two ago.
What debt can be settled?

What type of debts can be settled?

Many debts can be settled for a fraction of what is owed including medical debts, mortgage debt, auto repossession debt, rent, credit cards, retail cards, cell phone bills, private student loan debt, payday loan debt, and more.
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Our Philosophy On Debt Settlement