Debt Settlement in Phoenix, AZ

Don't Let Your Debt Drag You Down

Start the debt settlement process in Phoenix, AZ and the Greater Valley Area

You don't always have to declare bankruptcy to lower your debt. Hilltop Law Firm offers debt settlement services in Phoenix, AZ and all surrounding areas. We'll negotiate with creditors and try to get them to accept a reduced payment for your debt, either in a lump sum or through a payment plan.

This can often work with types of unsecured debts, like personal loans and credit card debt, but is not a guarantee. That's why it's important to have a lawyer negotiate on your behalf. Reach out to us today to learn more about our loan negotiation services.

5 signs you should get debt settlement services

It's not always easy to tell when you need debt settlement services. But you should talk to our lawyer if you:

1. Are being denied loans and credit cards
2. Struggle to pay your monthly payments
3. Feel like you'll never pay off your debt
4. Keep getting calls from debt collectors
5. Have missed several payments

Do any of these signs sound familiar? Schedule a free consultation today to discuss our loan negotiation services.

What is Debt Settlement?

Many Arizonans struggle under the burden of debt. You are not alone. Often, the debt builds up due to the pandemic, unemployment, or unforeseen medical expenses. It can place your well-laid plans in a state of disaster and make your goals of purchasing a home or car feel out of reach.

Debt Settlement is an option which allows you to reduce your debt and help lessen the overall amount you owe to your creditors. Debt settlement is a process in which a creditor agrees to accept a reduced amount for the existing debt. Depending on the creditors, they are willing to work with consumers to negotiate either a lump sum or a lump sum and payment plan options. The final outcome is most often a definite "win" for both the consumer and for the creditors.

The negotiation process can be difficult to navigate on your own, and the more creditors you have, the more difficult it becomes. Oftentimes, creditors can be stubborn and take a very hardline approach. Hilltop Law Firm has the experience to help navigate these murky waters and has the tools necessary to deal with the creditors' tactics. We also have a proven track record of making the process easier and offer a favorable outcome that fits your budget.