Long Beach Debt Settlement Attorneys

We Help Clients Settle All Types of Debt 

When you choose Fitzgerald & Campbell, our team will negotiate with creditors if we believe they might be motivated to accept less than what you owe. Creditors will typically settle your debt if they believe your only other option is to file bankruptcy, which would cause them to lose even more money. 

In turn, you can pay less than what you owe without going through the process of bankruptcy. 

At Fitzgerald & Campbell, we often help clients settle:

• Credit Card Debt: Credit card debt arises when individuals use credit cards to make purchases and then carry a balance from month to month without paying it off in full. The outstanding balance accrues interest, often at high rates, leading to significant debt over time if not managed properly.
• Medical Debt: Medical debt occurs when individuals are unable to pay for healthcare services, such as doctor visits, hospital stays, surgeries, or prescription medications. Even with insurance, high deductibles, and out-of-pocket expenses can lead to substantial medical debt.
• Attorney Fee Debt: Attorney fee debt is the amount owed to a lawyer or law firm for legal services rendered. This can accumulate in various legal situations, including criminal defense, civil litigation, divorce proceedings, or estate planning. If not paid upfront, these fees may become a significant financial burden.
• Auto-Related Debt: Auto-related debt typically involves loans taken out to purchase a vehicle. This debt includes car loans, leases, and even unpaid repair bills. If the borrower defaults on a car loan, the lender may repossess the vehicle, which can further damage the borrower’s financial standing.
• Business Debt: Business debt refers to money owed by a company or entrepreneur, often arising from loans, lines of credit, or unpaid invoices. This debt can be related to startup costs, operational expenses, or expansion efforts. Managing business debt is crucial to maintaining a company’s financial health and long-term viability.
• Payday/Cash Advance Debt: Payday or cash advance debt comes from short-term, high-interest loans intended to provide quick cash before the borrower’s next paycheck. These loans often have exorbitant fees and interest rates, making them difficult to repay, which can trap borrowers in a cycle of debt.
• Student Loan Debt: Student loan debt is incurred by individuals who borrow money to pay for their education. This type of debt can be from federal or private loans and often comes with various repayment plans and interest rates. The burden of student loans can be significant, affecting borrowers’ financial stability for many years.
• Judgments: A judgment is a court-ordered debt, typically resulting from a lawsuit. If someone loses a lawsuit, they may be required to pay the winning party a specific amount of money. Judgments can lead to wage garnishment, liens on property, or other legal actions if not paid.

What About IRS Tax Debt? 

Debt settlement with the IRS is called an Offer in Compromise, which the IRS will accept if they believe your offer is the most they can reasonably expect you to pay.