Debt Negotiation

Debt negotiation, also called debt settlement, is a legitimate option for debt reduction in which the debtor and creditor agree on a reduced balance that will be regarded as payment in full.  Through debt negotiation, creditors may accept payment that is less than the full amount of the debt owed - often at a savings of 40-60% from the original balance.  With our debt settlement program, your debt is actually reduced, not just consolidated.

Heupel Law has been able to successfully settle or negotiate many of our clients' debts for substantially less than the balance owed.  Most large banks have systems in place designed to reduce payoff balances.  These systems take into account various factors when deciding whether to settle your debt and for how much, but nearly all creditors will settle your debt.

Typically, we can settle the following debts: credit cards, medical bills, unsecured loans, collection accounts, and deficiencies from foreclosures and repossessions.  Our experienced debt-negotiation attorneys are available to help answer your questions at no charge.  We offer free consultations and will help you determine if you are a good candidate for a debt reduction program.