About SJ Packman and Associates

Consumer Debt Attorneys

SJ Packman - credit and debt negotiating and counseling.

S.J. Packman & Associates is a full service, diversified law firm, experienced in all areas of credit and debt negotiating and counseling. No matter what your financial hardship may be, our professionals are highly skilled in their areas of practice and will be able to help you. Whether it be one of our certified debt arbitrators, attorneys, or paralegals, when you contact S.J. Packman & Associates, someone will be there to work with you to help determine which process is best suited for your financial future. We will analyze your financial hardship and help you come up with an affordable monthly payment that will work for your budget.

We have a variety of different negotiation techniques that have been tested and developed through years of experience by our team of licensed attorneys, certified debt arbitrators, and certified debt specialists. Everyone at S.J. Packman & Associates is here to put their knowledge and experience to work in order to help protect you and get you on the path to becoming debt free and stress free.


We deal in a variety of debt negotiation services such as:

  • Credit Cards
  • Home Loans
  • Gas Cards
  • Medical Bills
  • Collections Accounts
  • Unsecured Loans
  • Unsecured Lines of Credit
  • Repossessed Vehicle Loans
  • Department Store Cards
  • Home Foreclosures
  • Judgment Accounts
  • Creditor Harassment
  • Defense Claims from Creditors
  • Federal Debt Collection Practices Act Violations

Depending on which process you qualify for, we will do our best to negotiate on your behalf. We can help lower your interest rates, lower your monthly payments, lower your actual account balances, and even modify your existing secured debt contracts. Many times we are able to eliminate your debt so you won’t have to pay anything back at all. Let us take care of everything for you so you no longer have to worry.


At S.J. Packman & Associates we’re known for getting the job done. We have earned our reputation by taking an honest approach to helping people regain control of their financial situation. Our honest approach, our outstanding level of service, and our unparalleled level of professionalism makes us stand out in our field. We adhere to the highest standards of ethics and integrity in all aspects of our business. Our staff is reliable, knowledgeable, customer-focused, sincere, and committed to providing our clients with accurate information, support, and guidance that is critical to getting them on the road to financial recovery. Our experienced staff takes great pride in helping individuals and families turn their grim financial situations into a fresh start.

We understand the stress associated with financial difficulties and we understand that bad things happen to good people. We also understand that your creditors want nothing more than for you to keep paying them every month for the rest of your life. At S.J. Packman & Associates, we do not work for your creditors, we work for you. Everyday we help people just like you achieve their financial goals.


Our goal is to provide you with affordable services that allow you to greatly improve your financial situation and help you get back on your feet as soon as possible.

  • Our goal is to not only help you begin your processes of financial recovery, but to get you to complete your processes.
  • Our goal is to become more than just your law firm, but rather to become your trusted partner.

At S.J. Packman & Associates, before we make any recommendations, our attorneys, certified debt specialists, and paralegals, are trained to ask the right questions to find out about your specific situation. Based on your current income and your financial hardship, we will determine which course of action will work best for you. We do not only offer one path, as there is no one process that can solve everyone’s needs. We will take our time with you and help evaluate what your best course of action should be. Call now and one of our advisors will be there to get you started on your path to financial freedom. There is no obligation to enroll, so don’t delay.

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