National Student Loan and Credit Report Debt Attorney

National Debt Attorney for Student Loans, Credit Cards and Credit Report Errors

Credit Card Debt

Avoid bankruptcy by settling your credit card debt for a fraction of the balance.
Learn More »

Credit Report Errors

We assist clients to remove inaccuracies from their credit reports. Free.
Learn More »

Mortgage Debt

We help negotiate and navigate the difficult waters in freeing you from mortgage debt.
Learn More »

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.
Learn More »

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 .

Get Your Free Debt Savings Plan Estimate

What Can A Debt Attorney Do For You?

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..
Learn More About Debt Relief Options »
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.
Learn More About Debt Settlement »
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.
Learn More About Types of Debt »

Our Philosophy On Debt Settlement


  • I wanted to check in to let you know that my credit score is back up to 753. I can’t thank you enough for all that you did for me. I really appreciate you […]

    Happy Arizona
  • I just wanted to say, “Thank You” for working on our case.  We appreciate your hard work and are very thankful to have received some money back from our foreclosure.  Losing our house was very difficult, but getting a settlement on it takes the sting out of the whole situation.  I will definitely recommend you and your firm […]

  • Just a follow up to my strategic default in 2012. After 3 years, this Friday I will be purchasing my $235,000 townhouse. I’m using my VA benefits to get the loan, and had no issues at all getting the financing. My credit score is 735 with my DTI ratio of 25%. Just thought I’d let […]

    Tom H.
  • Dear Kevin et al;

    I wanted to let you know that we thought it was a hell of great gesture on your company’s part to offer to pay off the remaining debts of all it’s customers.
    Even though the odds were stacked against you and most of us, it was the intention to help people struggling […]

    Debt Settlement Law Firm Testimonial
  • You are a blessing to us!! Thank you for your help …always!!
    Heidi B […]

  • Thank you THANK YOU!!!!!!!!!!! I really appreciated working with you as well! Thank you for all your hard work and answering all of my questions.

    ~K. S […]

  • You are worth your weight in gold! I’ll definitely recommend you to others.
    Vallerie C […]

    Debt Settlement Law Firm Testimonial
  • Just a quick note to say “THANK YOU” for ALL of your time, energy & efforts and a job well-done on bringing this sale to a happy conclusion! I certainly appreciate your “Stick-To-It Tiveness” and your professionalism. I would certainly recommend & refer you & McCarthy Law to anyone I know in a distressed sale situation! You guys […]

  • Yea!!!!!  Thank you so much Michele!  We could not have done this without your expertise and tenacity.  When we started this process we were convinced that foreclosure was the only option, and with your help this short sale happened!  Words cannot express our gratitude. We can start fresh and the future looks very bright.  This has been a […]

    Debt Settlement Law Firm Testimonial
  • Opening a franchised Mexican restaurant sounded like a great idea in 2005. Unfortunately, the SBA and bank agreed and allowed me to borrow a lot of money. The business never made a profit and was bleeding 100k/year. To make matters worse, my brother and dad were my business partners. I shopped around for attorneys with specific SBA […]

    Debt Settlement Law Firm Testimonial
  • Amazing experience. I have never dealt with something like this and as such I was very nervous and anxious as I did not know what to expect. However, at my first meeting with Kevin at his office he made feel completely relaxed and confident in his firm’s ability to handle my case. He was very thorough and […]

  • I am so grateful for their help and resolution to my problems. I could not have survived without them. Joan DiBella was “on it” every step of the way. I am more appreciative than I can say […]

    Debt Settlement Law Firm Testimonial
  • Working with Kevin was one of the best things we ever did. His understanding and overall skill set helped us through a very difficult time in our lives. We highly recommend Kevin and his team… they were a God send […]

    Debt Settlement Law Firm Testimonial