Debt Reduction

Debt Reduction Negotiations/Debt Relief

Should you file bankruptcy? While this is sometimes the only answer there are times when it may be avoided. We can assist you in negotiating the terms of your debts, such as credit cards, so that they can be paid off in a reasonable period of time and bankruptcy avoided. In some situations credit card balances may be reduced to about 10% of their original balances. In such cases creditors almost always require that the entire balance be paid off in cash. For this approach to work, most or all creditors need to agree to the level borrower is able to pay up to. More typically, about 25% of the original debt needs to be paid over a period of time. Sometimes it is possible to arrange a payment plan. Best debt settlements, however, are available if you are able to settle the entire debt in one payment. There are, however, instances where some creditors are too stubborn to agree to take less than the full amount. A good-faith case of possible bankruptcy may help in negotiating debt settlement in these situations.

Some assistance regarding debt collections, debt relief or debt settlement may be obtained at following web sites:

Consumer Law Issues: (Truth in Lending, Fair Debt Collection Practices Act)
Debt Counseling:, 1-800-388-2227, or 1-866-703-8787
Debt Settlement:
Debt Settlement:
Debt Settlement:

We are a debt relief agency

Areas of Practice:
Business Organizations
Business Torts
Commercial Law & Contracts
Intellectual Property
Mergers & Acquisitions
Science, Computers, & Tech
Wills, Trusts & Estate Planning

About Us:
We take pride in providing personalized legal services for your individual or business needs. Our practice includes: business start up and funding, business buying and selling, business succession planning, business reorganization, estate planning, power of attorney, end of life decisions, lawsuit protection and debt settlement or consolidation. We are also intellectual property attorneys with experience in electrical, software, mechanical and biotech technologies.
About Tony Delas


This website is intended for educational and informational purposes only. The information contained on this website is not intended as a source of legal advice. You should not act upon or rely on information at this or any other website without the advice of competent counsel, especially if you reside outside the State of California, where we are not licensed to practice law and don't give advice. This information may not have been updated to reflect subsequent changes in the law, if any. Your particular facts and circumstances, and any changes in the law, must be considered to determine appropriate legal advice. Always consult with a competent attorney, licensed in your state, to discuss your particular situation. Nothing provided by this website is intended to create an attorney-client relationship. Sending e-mail to this firm or to an attorney at this firm will not create an attorney-client relationship, i.e., it does not mean that we have agreed to represent you. This website is intended for educational and informational purposes only.
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