Sued by a Debt Collector? We'll Make It Go Away.
Our attorneys negotiate directly with debt collectors to reduce what you owe — often by 50-70%. No court appearances. No paperwork. Free consultation.
50-70%
Average Debt Reduction
50
States Covered
Free
Initial Consultation
$0
Cost for FDCPA Claims
How It Works
Four steps to getting your debt reduced through attorney-led negotiation.
Free Case Review
Tell us about your debt situation — who is collecting, the amount, type of debt, and whether a lawsuit has been filed.
We Assess & Validate
Our attorney checks the statute of limitations, sends debt validation letters if within 30 days, and identifies your leverage points.
Attorney Negotiation
We contact the collector directly, present your financial hardship, and negotiate a 40-70% reduction on your debt.
Written Settlement
We get it in writing before you pay. Settlement agreement, payment, debt resolved. If sued, lawsuit dismissed with prejudice.
Two Scenarios — Both Negotiable
Whether you have been sued or not, we negotiate to reduce what you owe. But timing matters.
Before You Are Sued
More leverage, better deals. We negotiate proactively with the collector before a lawsuit is filed. We can send debt validation letters, check the statute of limitations, and push for significant reductions.
40-60% Settlements
Typical range for pre-suit negotiation.
After a Lawsuit Is Filed
The collector has the upper hand and expects 70-80% of the balance. But we still push for less. You typically have a 30-day deadline to respond — do not wait.
Still Negotiable
Attorney negotiation reduces what they expect.
Being Sued by One of These Collectors?
We negotiate with the most aggressive debt collectors in America.
LVNV Funding LLC
debt buyerMidland Credit Management
debt buyerPortfolio Recovery Associates
debt buyerCavalry SPV / Cavalry Portfolio Services
debt buyerCapital One
original creditorDiscover Financial Services
original creditorSynchrony Bank
original creditorCitibank / Citi
original creditorSimple, Transparent Pricing
No hourly fees. No retainers. No hidden costs.
Free Consultation
$0
- Full case review
- Assessment of your options
- FDCPA violation check
- No obligation
Debt Negotiation
Save 50-70%
- Attorney negotiates with collector
- Reduced settlement amount
- No court appearances
- Lawsuit dismissed
- Flat fee or % of savings
FDCPA Counterclaim
$0
- No cost to you
- Collector pays attorney fees
- Up to $1,000+ per violation
- Collector may owe you damages
Frequently Asked Questions
What happens if I ignore a debt collection lawsuit?
If you don't respond by your state's deadline, the court will enter a default judgment against you. This allows the collector to garnish your wages, freeze your bank accounts, and place liens on your property. Contact us for a free consultation — we can negotiate with the collector to resolve the situation before it reaches that point.
How much can you reduce my debt?
We start negotiations around 40-50% of the balance, sometimes lower. Pre-suit cases (before a lawsuit is filed) typically settle for 40-60%. Post-suit, collectors push for 70-80%, but attorney negotiation still reduces that. The exact outcome depends on the creditor, your financial situation, and whether the debt is past the statute of limitations. Lump sum payments get bigger discounts than payment plans.
What if my debt is past the statute of limitations?
If the debt is time-barred, we have significant leverage. The collector may not be able to legally pursue the debt. In California, the statute of limitations is 4 years for written contracts and installment loans. Every state has different SOL periods. During your free case review, we check this immediately — it is one of the first things our attorney evaluates.
Do I need to go to court?
No. Our goal is resolution through negotiation, not litigation. Our attorney negotiates directly with the collector to reach a settlement. We only get involved on the court side if absolutely necessary — for example, if a default judgment is imminent and needs to be addressed.
What is a debt validation letter?
Within 30 days of first collector contact, we can send a debt validation letter via certified mail. This forces the collector to prove the debt is valid and accurate. While they validate, all collection activity must stop. If they cannot validate the debt, they must stop collecting entirely. This is one of the most powerful tools under the FDCPA, and we use it whenever the timing allows.
What if the collector broke the law?
If the collector violated the Fair Debt Collection Practices Act (FDCPA) — for example, by harassing you, making false threats, or suing on time-barred debt — our attorney can countersue. FDCPA cases cost you nothing. The collector pays the attorney fees, and you may receive up to $1,000 or more in damages.
What does the free consultation include?
We review your case, check the statute of limitations, screen for FDCPA violations, determine if you are within the 30-day debt validation window, and explain the best path forward. There is no cost and no obligation.
Get Your Debt Reduced — Free Consultation
Our attorneys negotiate directly with collectors to reduce what you owe. Most clients save 50-70%. No cost to get started.
Free case review. No obligation. No upfront cost.