Settle Your Debt for Less — Without Bankruptcy

Credit cards, medical bills, personal loans, and most unsecured debts qualify. Secured debts like mortgages and auto loans are handled differently.

Most clients complete the program in 24–48 months, though timelines vary based on debt amount and creditor cooperation.

There is a short-term impact, but most clients rebuild their credit within 12–24 months after completing the program — often faster than bankruptcy.

An attorney provides legal protection, can represent you if creditors sue, and is bound by ethical rules that debt settlement companies are not.

Debt settlement is often a fit if you have significant unsecured debt, are struggling to keep up with minimum payments, and want to avoid bankruptcy. Job loss, medical bills, divorce, or reduced income are common reasons people seek help. A free consultation is the best way to see whether settlement — or another option — makes sense for your situation.

Once our office represents you, creditors and collectors must direct communication to us instead of you. Under the Fair Debt Collection Practices Act (FDCPA), you have the right to have an attorney handle those contacts on your behalf — which is one reason working with a law office is different from using a typical debt relief company.

Yes, especially if you owe a smaller amount and are not being sued. Many people with larger balances or aggressive collectors find that an experienced attorney gets better settlement terms, knows creditor tactics, and can step in immediately if legal action is threatened.

If you are sued or receive court papers, contact us right away. Unlike non-law firm debt settlers, an attorney can respond on your behalf, explore defenses, and negotiate even after a lawsuit is filed. Ignoring a summons can lead to wage garnishment or bank levies — so early legal help matters.

It depends on your debt, income, assets, and goals. Settlement can work well when you want to resolve unsecured debt without a bankruptcy filing. Bankruptcy may be the stronger option in other cases. Attorney Falvey reviews all paths — including Chapter 7 and Chapter 13 — so you can choose the approach that fits you best.

In some cases, forgiven debt can be treated as taxable income by the IRS. Whether that applies depends on your financial situation and current tax rules. We can discuss this during your consultation and, when appropriate, point you toward a tax professional for advice specific to your case.