If bankruptcy is not the right option for you, it is often possible to persuade a creditor to lower a debt by anywhere from 25% to 80%, and accept reduced monthly payments or a lump sum payment. The critical component of this process is using a reputable and experienced attorney who knows how to convince the creditor that no recovery would otherwise occur. Many individuals hire debt settlement companies but they cannot represent you and defend you like I can. If an actual lawsuit has been filed, then I can respond to that while trying to settle the debt. I am compassionate, confidential, and never judgmental. Debt negotiation and settlement is serious legal work and my clients have obtained great results.