If you have too much consumer or business 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 of all kinds, collection agencies, collection attorneys, debt-buying companies and after-judgment creditors. As a law firm, we are also available to help if a collection lawsuit has been filed against you. Based on our knowledge of the debt collection law and the collection industry, we will give you a candid analysis of the best strategy based on your circumstances. 


        Be Careful of Non-Attorney Debt Negotiators

                        Especially Those Outside of California       


      Why? If something goes wrong or if you are not satisfied for any reason, as a practical matter, you have little recourse, especially if they are out of state.

     Also, watch out for debt negotiators who offer to loan you money to pay off the settlement they negotiate. If they are lending you money, they have no incentive to negotiate the lowest settlement amount. Quite the opposite: the larger the settlement amount, the larger the loan you must take from them, the more interest they get.  They are not working entirely for you. They are working for themselves. Furthermore, once the loan is made, they are now your new creditor with collection rights against you. It's a clear conflict of interest, if not an outright scam.

     Here's another reason to use an attorney debt negotiator: you are likely to have valid legal defenses to debt collection by "Debt-Buyers". Debt- Buyers are companies which do not extend credit but buy defaulted debt to collect for themselves. These legal defenses provide a lawyer with added negotiation leverage, but cannot be used by a non-attorney debt negotiator. Larger discounts are generally available. Sometimes, it pays to wait and see if your debt will be sold, while at the same time using this delay as leverage with the original creditor. Also, claims against you may be barred by the statute of limitations; or, the creditors may not have complied with their contractual obligations. As attorneys, we will uncover and apply every bit of legal leverage you have.

    Even if there is already a judgment against you, the payout can usually be reduced through effective negotiation by an attorney. If you were never served with notice of the lawsuit, the judgment can be challenged and may result in a significant discount plus removal of the judgment.

      Prioritizing debt and timing your payment strategy is a critical element of the process. We'll go over this with you in detail.

     We’d like to know more about your circumstances.

     To learn if and how we can help you, call us now for a free consultation at:

(877) 320-2380

      We offer a fixed fee model, so you'll know from 'day-one' how much you are paying us. Consider this: for various reasons, delay in the resolution of your debt can be applied strategically for your benefit. However, if you are paying your negotiator on a monthly basis - a common practice - 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. 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 you'd just like to get to know us, why don’t you 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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