If you have too much consumer or business debt and want to avoid

Bankruptcy, we can help. We have been negotiating discounted debt

settlements since 2007. We know how to negotiate with original lenders and debt-buying companies - CACH, LLC, Cavalry SPV I, LLC, Midland Funding, LVNV, Persolve and Unifund, for example - and also with post-judgment creditors. In addition, we can defend you if a collection lawsuit is filed. Based on our knowledge of debt collection law, the debt collectors and the debt collection law firms, we will give you a candid analysis of your case and discuss the best way for you to move forward.  

            We offer a fixed fee model, so you'll know from the outset how much you are paying us.

          There are two options for defending a debt collection lawsuit:

              (1) Settling before you must file an Answer or other response to the Complaint; and,

              (2) Fighting the case will result in a delay of approximately a year or more. This presents an opportunity to settle for a lesser amount in the weeks before trial since collectors do not want to try cases against knowledgeable debt defense attorneys. Debt collectors make money on default judgments and on defendants who represent themselves.

          The best strategy for you depends on the amount sought by the lawsuit and, perhaps more importantly, on your ability to wait a year or more without worrying. If you are a worrier, it may make sense to pay more up front, that is, to purchase your peace of mind.

         Delay in the resolution of your debt can be applied strategically for your benefit. However, if you are paying a debt settlement negotiator on a monthly basis, you may never know the true reason for the delay. There is an inherent conflict of interest in the monthly fee approach used by many debt resolution companies. The longer they wait to settle, the more monthly fees they accumulate. Also, once a lawsuit is filed they have no further settlement leverage and will either drop you or settle the case for the full amount. You should avoid them for this reason. With our flat fee model, you'll never have to worry about our loyalties.

        If you have questions about how this all works or if you'd just like a free consultation, you can call us at  (877) 320-2380 or, you can leave your contact information to the right and we will respond promptly.

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The Rose Consumer Law Firm is the one of the finest law firms that I have ever encountered. Attorney William Rose is extremely knowledgeable, he is responsive to urgent matters, and he goes above and beyond to help people resolve their problems successfully.

                           - James M., Orange 

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