
Long Beach Credit Card Debt Settlement Attorney
Helping Long Beach Residents Settle Credit Card Debt
If mounting credit card debt is making it difficult for you to move forward financially, Fitzgerald & Campbell is here to help. As a dedicated credit card debt settlement law firm serving Long Beach, CA, we specialize in negotiating with creditors to secure reduced debt settlements, protect clients from aggressive collection tactics, and provide strategic legal representation. Whether you’re dealing with creditor harassment, facing a lawsuit, or struggling with overwhelming debt, our experienced attorneys can help you find a path to financial relief.
Reach out to Fitzgerald & Campbell at (844) 431-3851 today for expert credit card debt settlement services and take the first step toward financial relief!
Understanding Credit Card Debt
Credit card debt arises when individuals use their credit cards to make purchases but are unable to pay off the full balance each month. Over time, unpaid balances accrue high interest, making it increasingly difficult to pay off the debt. Many people in Long Beach face financial challenges due to unexpected expenses, job loss, or medical emergencies, which can lead to reliance on credit cards to cover everyday costs. When minimum payments are made, interest continues to accumulate, creating a cycle of debt that becomes difficult to escape.
What Is Credit Card Debt Settlement?
Credit card debt settlement is a process in which an individual negotiates with a creditor to pay a reduced amount to settle the outstanding debt. In many cases, creditors are willing to accept a lower lump sum payment or structured settlement plan rather than risk the debtor filing for bankruptcy. This approach can help borrowers eliminate debt for less than what is owed, but it is important to have legal guidance to ensure the settlement terms are fair and legally binding.
Common Causes of Credit Card Debt
Many Long Beach residents find themselves in credit card debt for various reasons, including:
- Medical Expenses: Unanticipated medical bills can quickly accumulate, forcing individuals to use credit cards for essential expenses.
- Job Loss or Income Reduction: Losing a job or experiencing reduced hours can make it difficult to keep up with monthly payments.
- High Interest Rates: Many credit cards have high interest rates that cause balances to grow rapidly when payments are missed or only minimum payments are made.
- Emergency Expenses: Sudden car repairs, home maintenance, or other unexpected costs can lead to reliance on credit cards.
- Poor Financial Planning: Lack of budgeting or financial management can result in uncontrolled spending and debt accumulation.
How Creditors Seek Payment
Creditors use several tactics to recover unpaid credit card debt, including:
- Collection Calls and Letters: Persistent phone calls, emails, and mailed notices demanding payment.
- Late Fees and Interest Rate Increases: Missing payments often results in penalty fees and higher interest rates.
- Third-Party Debt Collectors: Creditors may sell or assign debt to collection agencies, which can be aggressive in pursuing repayment.
- Legal Action: If debts remain unpaid, creditors may file lawsuits seeking a court judgment against the debtor.
- Wage Garnishment or Bank Levies: If a lawsuit results in a judgment, creditors may attempt to garnish wages or freeze bank accounts to recover funds.
The Credit Card Debt Settlement Process
If you’re struggling with credit card debt in Long Beach, debt settlement may be a viable solution. The process typically includes:
- Assessing Your Financial Situation: Reviewing your debts, income, and expenses to determine if settlement is the best option.
- Negotiating with Creditors: Your attorney will communicate with creditors to negotiate a reduced settlement amount.
- Agreeing to Settlement Terms: If a favorable settlement is reached, the agreement is put in writing to protect your interests.
- Making Payments: Once the settlement is finalized, you may make a lump sum payment or a series of structured payments.
- Debt Resolution: Once the agreed amount is paid, the debt is considered settled, and the creditor reports the resolution to credit agencies.
Legal Protections for Debt Settlement Negotiations
Consumers have rights under state and federal laws that protect them from unfair debt collection practices. The Fair Debt Collection Practices Act (FDCPA) and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA) regulate how creditors and collection agencies can interact with debtors. These laws prohibit harassment, false statements, and deceptive collection tactics. Additionally, some assets and income sources may be protected from debt collection efforts under California law.
Potential Drawbacks of Debt Settlement
While credit card debt settlement can provide financial relief, it’s important to consider potential drawbacks, including:
- Credit Score Impact: Settled debts may be reported as “settled for less than the full amount,” which can negatively affect your credit score.
- Tax Consequences: Forgiven debt may be considered taxable income, requiring you to report it to the IRS.
- No Guaranteed Settlement: Creditors are not obligated to accept settlement offers, making negotiations critical.
- Ongoing Collection Efforts: Until a settlement is reached, creditors may continue collection efforts, including lawsuits.
Why Work with a Long Beach Credit Card Debt Settlement Attorney?
Navigating credit card debt settlement can be complex, and having an experienced attorney on your side can make all the difference. Fitzgerald & Campbell provides expert legal guidance to help clients:
- Negotiate Favorable Settlements: Our attorneys work to secure the lowest possible settlement amounts.
- Defend Against Lawsuits: If you are facing legal action from a creditor, we provide aggressive representation.
- Stop Harassment: We handle all communication with creditors and debt collectors to protect you from harassment.
- Develop a Debt Resolution Strategy: We assess your financial situation and provide tailored solutions for achieving financial freedom.
Contact Fitzgerald & Campbell Today
If you’re struggling with overwhelming credit card debt in Long Beach, don’t face it alone. The experienced credit card debt settlement attorneys at Fitzgerald & Campbell can help you regain financial stability and protect your rights.
Call us today at (844) 431-3851 or contact us online to schedule a consultation. Let us help you take control of your finances and move toward a debt-free future.



Real Client Results
Conquering Your Mountain of Debt Since 1992
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$1,043,087.06 settled for $492,701.56 Individual
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Client Saved $27,433.00! UGH, I LLC.
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$535,175.56 was settled for $375,000.00 Madison 65 Co
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Client’s debt was reduced by $314,811.00! National Continental Insurance Company
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$263,963.17 JUDGMENT VACATED! Los Angeles County Superior Court



Hear From Our Happy Clients
At Fitzgerald & Campbell, your satisfaction is our priority! See for yourself what our clients have to say about working with us.
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Fitzgerald & Campbell were a great help from the start. Seeking their legal help for dealing with debt collectors was the right decision. The process was simple and straightforward, reducing my stress greatly for a reasonable price. Highly recommend!- C.M.
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We were involved in a tricky sister-state judgment case from a vehicle accident in Nevada. Several attorneys were stumped, but Fitzgerald & Campbell provided clarity and prompt communication to vacate the judgment. The case is now dismissed without prejudice. Highly recommended.- E.C.
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I was in a difficult and stressful situation. I was sued and served over an old personal loan.
Fitzgerald & Campbell helped me to settle and lowered the judgment amount in less than a month.
This firm is outstanding and they care about their clients.
Thank you, Ms. Patricia Mendez for being so passionate and so helpful about my case.
Now, am stress free.
Fitzgerald & Campbell is a truly praiseworthy and highly recommended firm.
Thank you.- E.A. -
Thank you very much, Ma'am for the immediate help.
You are all amazing!🙏🙏🙏
- E.A. -
Dealing with a judgment and wage garnishment, Fitzgerald & Campbell explained my options to settle and guided me through the paperwork. They handled all communication with the creditor, negotiating a settlement I could afford. They extend a friendly hand to get you back on your feet.- S.J.
