Debt negotiation, settlement, and consolidation alternatives to bankruptcy. Find a verified Debt Relief attorney near you — free consultations available.
Debt relief encompasses a range of legal strategies that help individuals and businesses reduce, restructure, or eliminate debt without necessarily filing for bankruptcy. A debt relief attorney can negotiate directly with creditors to settle debts for less than the full amount owed, create structured repayment agreements, defend against creditor lawsuits, stop wage garnishments, and advise on whether bankruptcy or a non-bankruptcy solution is the right path. For many people, debt relief alternatives can resolve financial problems while avoiding the long-term credit impact of bankruptcy.
Ready to speak with a Debt Relief attorney?
Your attorney reviews your income, expenses, assets, and debts to determine which debt relief strategy is most appropriate for your situation.
Your attorney contacts creditors on your behalf, stopping harassment calls and establishing a professional negotiation channel.
Your attorney negotiates with each creditor to reduce the total amount owed, lower interest rates, waive fees, or create an affordable repayment plan.
Once a settlement is reached, your attorney reviews the written agreement to ensure it protects your interests before you sign.
You make the agreed payment (lump sum or installments) and receive written confirmation that the debt is settled or discharged.
Lesley D Bohleber
Lesley D Bohleber has handled 2 federal bankruptcy cases including Chapter 11 in federal court. Currently active.
Thomas W Stilley
Thomas W Stilley has handled 1 federal bankruptcy case including Chapter 11 in federal court. Currently active.
Susan S. Ford
Susan S. Ford has handled 1 federal bankruptcy case including Chapter 11 in federal court. Currently active.
Nathan Vallier
Nathan Vallier has handled 1 federal bankruptcy case including Chapter 7 in federal court. Currently active.
Jonathan N. Edel
Jonathan N. Edel has handled 1 federal bankruptcy case including Chapter 11 in federal court. Currently active.
Bruce Scott Pollak
Bruce Scott Pollak has handled 1 federal bankruptcy case including Chapter 11 in federal court. Currently active.
J.B. Evans
J.B. Evans has handled 1 federal bankruptcy case including Chapter 11 in federal court. Currently active.
Paul Joseph McCabe, Jr.
Paul Joseph McCabe, Jr. has handled 1 federal bankruptcy case including Chapter 13 in federal court. Currently active.
Matthew J.P. Johnson
Matthew J.P. Johnson has handled 1 federal bankruptcy case including Chapter 7 in federal court. Currently active.
Damon Frank Gagnon
Damon Frank Gagnon has handled 2 federal bankruptcy cases including Chapter 13 in federal court. Currently active.
Richard J. Land
Richard J. Land has handled 1 federal bankruptcy case including Chapter 11 in federal court. Currently active.
Garrett Eggen
Garrett Eggen has handled 1 federal bankruptcy case including Chapter 11 in federal court. Currently active.
Browse Debt Relief attorneys in every state. Click a state to see local attorneys and city-level listings.
Recent articles to help you understand your options
70% of large public companies file for bankruptcy outside their home state. We analyze the data behind forum shopping, the dominance of Delaware and Texas courts, and what the Judge Jones scandal revealed.
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When public companies file Chapter 11, retail investors almost always lose everything. We use SEC monitoring data, recovery rate statistics, and the absolute priority rule to explain why — and what protections exist.