Pricing That Reflects Real Results
Every case is different. We start with a free consultation to understand your situation before discussing fees.
Pre-Suit Negotiation
No lawsuit filed yet
40-60%
typical settlement range
- More leverage before a lawsuit is filed
- Debt validation letters if within 30-day window
- Statute of limitations check
- Proactive negotiation before things escalate
- Written settlement agreement
Post-Suit Negotiation
Lawsuit already filed
Still Negotiable
collector expects 70-80% but we push for less
- Attorney negotiation still reduces the amount
- 30-day response deadline — do not wait
- Lawsuit dismissed with prejudice on settlement
- FDCPA counterclaims if collector broke the law
- Written settlement agreement before payment
Payment Options: Lump Sum vs. Payment Plan
Lump Sum Payment
- Collectors prefer lump sums — bigger discount for you
- Typically the lowest settlement percentage
- One payment, debt resolved immediately
- Best option if you can afford it
Payment Plan
- Available if lump sum is not feasible
- Higher settlement percentage than lump sum
- Spread payments over several months
- Still reduces your total obligation
What Is Always Included
$0
Free Case Review
Complete assessment, SOL check, FDCPA screening. No cost, no obligation.
Written
Settlement Agreement
Everything in writing before you pay. Settlement amount, deadline, dismissal, full release.
$0
FDCPA Claims
If the collector broke the law, we pursue FDCPA claims at no cost. Collector pays attorney fees.
What Happens If You Do Nothing vs. When We Negotiate
If You Do Nothing
- Default judgment entered against you
- Wages garnished — up to 25%
- Bank accounts frozen
- Liens on your property
- Pay 100% of the claimed amount
- Judgment lasts 10-20+ years
When We Negotiate
- Attorney negotiates on your behalf
- Debt reduced by 40-70%
- No wage garnishment
- No court appearances
- Written settlement before payment
- Lawsuit dismissed with prejudice
Start With a Free Consultation
Every case is different. During your free consultation, our attorney reviews your situation, checks the statute of limitations, screens for FDCPA violations, and gives you a realistic picture of your options — before any fees are discussed.
Get Your Free Case ReviewGet 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.