BANKRUPTCY & DEBT SETTLEMENT

Debt Settlement

If you owe a large amount of money on unsecured debt such as student loans, medical bills, credit cards, personal loans, bounced checks, or collection accounts, debt settlement might be a good option for you. We will negotiate with your creditors to allow you to pay a settlement amount that is less than what you owe.

Timing is critical when attempting to settle a debt as attempting to settle too early can yield little or no results and attempting to settle too late can put you at risk of a lawsuit, garnishment of your wages or a lien placed on your property.

Debt settlement is not for everyone but may be a good option for you if you are behind on your payments, and you can’t afford to pay the total amount due but you’ve got consistent income that would allow you to afford to pay less than the amount that is owed.

The attorneys at LJ Law will work for you. We will evaluate your financial situation to determine if debt settlement is the best option for you and explain the pros and cons of settlement.

Please note that any debt that is forgiven can be considered taxable income on your income taxes. Talk to a tax professional regarding possible tax consequences.

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