Debt Negotiation & Alternatives
Attorneys who explore bankruptcy alternatives including debt negotiation, debt consolidation, creditor settlements, and financial counseling to resolve debt without filing for bankruptcy.
Debt negotiation attorneys work directly with your creditors to settle debts for less than the full amount owed, negotiate lower interest rates, or arrange manageable payment plans without the lasting credit impact of a bankruptcy filing. They are the right choice for people who want to avoid bankruptcy but cannot keep up with minimum payments on their own. Verify that the attorney charges reasonable fees based on results rather than large upfront payments, and understand the tax implications of settled debt, since forgiven amounts over $600 may be reported as taxable income.
Debt.org
Comprehensive nonprofit debt education resource with bankruptcy guides and certified counselor referrals
Freedom Debt Relief
Largest debt settlement company in the U.S. offering bankruptcy alternatives for $7,500+ in unsecured debt
National Debt Relief
A-rated debt settlement firm that has resolved $1 billion+ as a proven alternative to bankruptcy