In many situations, a bankruptcy may not be the right or only answer to handling financial debt. Some people may make too much money, have too much in assets, or have a prior bankruptcy within the last eight years. There are many more reasons why a person may choose not to file bankruptcy. For these individuals, SM Law Group, APC offers debt negotiations or settlements, where we can reduce the amount owed on each individual debt.
There are several ways an individual can get themselves out of debt. Bankruptcy is just one option. There is also debt consolidation, debt settlement, debt negotiation, and always the option of just paying everyone in full. In non-bankruptcy debt relief options, a person can choose to negotiate and settle their debt for less.
Debt negotiation may be an effective option in the following situations:
Consult an attorney to discuss the most effective way to tackle your debts, whether it be through bankruptcy or debt negotiation.
Dealing with creditors can be challenging, especially if you are not familiar with the laws and ways to protect your interests. Our attorneys can guide you through the entire process to safeguard your rights and guide you towards the most effective outcome possible.
Our team can help you:
Though it may be tempting to negotiate a settlement yourself, the legal system is complicated and requires a thorough understanding of bankruptcy laws. Our attorneys are able to educate you on your unique situation and walk you through each step of the debt negotiation process so nothing is missed and you’re not taken advantage of.
Hear From The People We've Helped
I was referred to this firm by a friend. I can say I am very pleased with the outcome. Kian was wondering throughout this horrible experience. The insurance company didn’t want to pay me after I got rear-ended by a semi-truck but this firm made sure they paid me in full plus interests. This firm” - Marie Leon
I am very grateful for the firm really fast help me and I’m glad that they knew my language Spanglish and help me out with paperwork the job was done very fast and now months have passed and now I have credit cards again everything was restored the firm was absolutely outstanding very grateful For” - Paz Amor
Very professional and prompt service. Kian was excellent at what he does and made sure all my questions were answered. Very honest and helped me tremendously! Highly recommend. You don’t need a lawyer until you need a lawyer and they are great! - Aaron McCann
“Kian did my bankruptcy with flying colors. Now he’s working on my PI case. He’s friendly and hardworking. I highly recommend him.” - Former Client
“I’ll contact you guys again if I need help with anything else. Much appreciated all the help from everyone at your office. Thanks! ” - Hermes P.
“I would like to thank Kian and the whole SM Law Group for helping me file all the paperwork. They walked me through each step. Communicated and kept me up to date. They are extremely professional. I highly recommend them.” - Manuel S.
“SM law firm is one of the most professional law firms I have ever dealt with. I have worked with Kian on a few cases and he has always made things easy and straightforward. His knowledge on the law is outstanding and their rates are very reasonable.” - Jimmy S.
“This is by far the best personal injury firm I’ve ever worked with. Very professional people. Very transparent and honest and highly hard working. I definitely recomment them for anyone. You will find no issue in communicating with them. They will always reply to you and explain everything in details in a timely manner. Ask” - Hosni O.
“Very professional. Even when the defending insurance company tried to drag out the procedure and lowball the payment, the attorneys at SM would always push forward in order to get me the highest settlement possible. They would update me regularly and helped extensively with my deposition. I would recommend them to anyone.” - Joshua N.
High Quality Representation for Your Legal Needs