Pricing
Pricing That Reflects Real Results
Every case is different. We start with a free consultation to understand your situation before discussing fees.
Pre-Litigation Negotiation
No lawsuit filed yet — you have the most leverage
$499
flat fee — no hidden costs, no percentages
- Attorney negotiates directly with the collector
- FDCPA + state-law defenses raised
- Debt validation letters if within 30-day window
- Statute of limitations check
- Written settlement agreement before payment
- FDCPA counterclaim screening
How it works: $499 flat fee + whatever settlement amount our attorney negotiates with the collector. Settlement amount depends on debt age, creditor, documentation, and your circumstances — we'll discuss realistic ranges during your free consultation.
Post-Litigation Negotiation
Lawsuit already filed — collector expects 70-80%
50%
of what we save you — you only pay if we reduce your debt
- 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
- No upfront cost — fee based on results
How it works: No upfront cost. Our fee is 50% of whatever amount our attorney negotiates off the collector's claimed balance. If your debt isn't reduced, you don't pay us — only the settlement amount goes to the collector.
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
- FDCPA + state-law defenses raised
- Chain-of-title challenges where applicable
- No court appearances by you
- Written settlement before any payment
- Dismissal with prejudice on settled lawsuits
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 ReviewHarassed or sued by a debt collector? Let's review your case.
Free case review — no obligation. Our attorneys check the statute of limitations, screen for FDCPA violations, and negotiate directly with the collector.