Debt Negotiation

If Bankruptcy is not for you, let us negotiate your debt.

WHAT is debt negotiation?
With debt negotiation, our office settles your credit accounts without filing for bankruptcy. Many people who do not qualify for bankruptcy feel overwhelmed and think that there is no way for them to ever get out of debt. If this is you, we are here to help. We take a lump sum of money and negotiate your credit accounts for you working to settle the accounts for the lowest amount possible to save you the most money.

Once the creditor knows that you have an attorney who is one of the top bankruptcy filers in San Diego, they know that the client is serious and that the client is refusing to deal with their hassling, harassment and abuse anymore. Plus, the creditor fears that the client will file for bankruptcy. After a client has retained our firm, the creditors cannot contact you anymore. We answer all of the creditor calls and even have a special phone line set up just to take their calls.

Our policy is not to accept the creditors first offer. In fact, even if it takes us months, we will wait to make sure we are saving our clients the most money.

JUST a few of our settlements:
  • Sears debt of $7,333.23 reduced to $2,000.00, client savings $5,333.23
  • Bank of America of debt $41,773.59 reduced to $12,500.00, client savings of $29,273.59
  • Direct Merchants Bank of debt $16,822.06 reduced to $6,728.00, client savings of $10,094.06

  • FEES:
    Unlike other companies that claim they can reduce your debts, we charge a flat rate fee which means that our fees do not come out of your settlement. Beware of companies that charge high fees and make minimal promises.

    Debt negotiation stops harassing creditor calls,
    eliminates your debt and gives you back your financial freedom!


    For our clients, wishing their bills and the annoying debt collectors would go away becomes a reality! Contact us today to get back your financial freedom. We always offer a free initial consultation. Contact us today at (619) 574-0551 or send an e-mail Attorney Larissa Lazarus at: This email address is being protected from spambots. You need JavaScript enabled to view it.



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