Debt Settlement in New York from Certified Debt Attorneys

How Can I Get Out of Debt Without Filing for Bankruptcy?

Debt settlements can help pay your overwhelming debt

If you can no longer afford your monthly minimum payments and do not want to file for bankruptcy, debt settlement may be right for you. Debt Settlement from S.J. Packman & Associates can help you pay off your overwhelming debt, especially if most of your debt is unsecured. Our professional debt attorneys in New York and around the U.S. will negotiate the repayment of your unsecured debts for significantly less than the total amount that you owe. By using this process, your actual balances are negotiated to lower amounts and not just your interest rates like with most other options. Typically, debt settlements can lower the amount of your debt to a fraction of what you owe.

Get Out of Debt the Smart Way with a Debt Settlement Attorney

Pursuing debt settlement with the assistance of professional debt attorneys is one of the least expensive methods to get out of debt while still avoiding the negative effects of bankruptcy. With a legal debt settlement, your debt remains your personal business and does not become public knowledge like in the case of a bankruptcy.

One of the most important benefits of debt settlement is that payments can be flexible. Most options to get out of debt, such as consolidation loans, debt management programs and even bankruptcy require consistent monthly payments. If a payment is missed, it can lead to your expulsion from the program. With debt settlement - although it’s not recommended - if it is necessary for you to skip a monthly payment, the only penalty you will suffer is that you will likely add a month of payments to the end of the process.

What Are the Benefits of Using a Lawyer for Debt Settlement?

There are many companies out there that can assist you in settling your debts, but if you use a lawyer for debt settlement, such as the experienced debt attorneys at S.J. Packman & Associates, you will be given certain rights under the Federal Debt Collection Practices Act that you only have when working with a professional debt attorney.

At S.J. Packman & Associates, before we make any recommendations, our debt attorneys, certified debt specialists and paralegals are trained to ask the right questions to learn about your specific situation as there is no one debt settlement process that can solve everyone’s needs. Based on your current income and financial hardship, we will determine which course of action will be your best choice. We will take our time with you and help you evaluate your best course of action.

Our Debt Attorneys are NOT Affiliated with Creditors or Banks

S.J. Packman & Associates and our debt attorneys have no affiliation with any creditors, banks or other lending institutions, which means that we are not in business to charge our clients interest or to keep you paying another company interest. Debt settlement attorneys at S.J. Packman work for the benefit of our clients and not for the creditors.

Call S.J. Packman & Associates Now to Learn About Your Options

S.J. Packman & Associates specializes in helping people settle their debts in a safe, open-access manner in the New York City area as well as many states throughout the country.  If you are struggling with your payments and contemplating bankruptcy, give us a call to understand your options regarding debt settlement to see if that may be a preferred alternative. Working with the assistance of certified debt attorneys not only guarantees you protection against unscrupulous debt collection agencies, but will also help to clearly organize and explain the entire debt settlement process so that you understand exactly how to proceed.

There is absolutely no obligation, so don’t hesitate to give us a call at 888-314-1722 or visit our Contact Us page to learn how you can get out of debt and return to a healthy financial future.

*Individual results may vary based on consumer’s ability to save sufficient funds, and complete all program terms. Our law firm does not assume or pay any debts, nor provide credit or tax advice. Program is not available in all states, and does not obtain immediate repayment arrangements until consumer saves sufficient funds and creditor(s) make offers. As such, consumer may by subject to credit collection actions if in default of payment terms. Please read and understand all program terms prior to enrollment.


View Testimonials

View Client Settlement Letters

Debt Calculator