At AZ Credit Law Group, we are much more than credit repair or bankruptcy lawyers. We can also settle your debt. A bankruptcy lawyer will want to put you into bankruptcy. A Debt Settlement lawyer may only be interested in settling your debts. We are interested in doing WHAT IS BEST FOR YOU. Call us today for a free, no obligation consultation and let’s see what makes the most sense for your situation.

Do you Need Debt Settlement or Bankruptcy? Let’s talk for free and find out

  • Have you been denied financing?
  • Are you making credit card payments, but your balances are not going down?
  • Do you stuggle to make your debt payments?
  • Are you making late payments on your bills?
  • Do you have regular overdraft fees?
  • Are you doing annual balance transfers?
  • Do you want to improve your credit score?
  • Are you receiving collection calls?
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Debt folders

Wondering how you can get out of debt?

You can use debt settlement to help with:

  • Credit Card Consolidation
  • Medical Debt
  • Vehicle Repossessions
  • Mortgage Deficiency Balances
  • Evictions
  • Collections
  • Timeshares
  • Student Loans
  • Utility Bills
  • Phone Bills
  • Tax Liens
  • Charge Off Accounts
Bill and scissor

Understanding Debt Settlement

If you can no longer afford to pay your creditors or your loans, then it’s time to consider resolving your debts with creditors. There are several ways to resolve debt:

  • Settling the debt aka paying less than the full balance;
  • Fighting the charges because there is a legal defense to owing the full balance; or
  • Paying nothing because you do not owe the debt or the debt is not legally enforceable.

Debt Settlement is the process of paying off debt by negotiating settlements with creditors. A settlement usually means paying the creditor less than the full amount due. Settlement ranges depend on a few factors:

  • Debt type
  • Creditor
  • Financial Hardship
  • Account Age
  • and more!

Creditors, like credit card companies or debt collectors, agree to settlements as an alternative to potentially receiving nothing when a debtor files bankruptcy.

Frequent questions about debt settlement

It depends! We work with several companies to help find you exactly what is right for your needs.

This depends on you.

If you are already in collections, the damage has been done. Resolving your collections, and making your debt more manageable is the key to long term credit score improvement. We also offer credit repair and credit counseling as part of our debt settlement legal service. BONUS: If you are looking to buy a home, debt settlement will improve your credit score and debt to income ratio.

Take the first step to your better financial future.

Start your Debt Settlement or Bankruptcy journey today for free

During the consult, we will review your situation, documents, and create a plan of attack. We will also give you a quote for services and payment options.

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