Debt Negotiation and Settlement

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Debt Settlement in Lieu of Bankruptcy

How To Negotiate Your Debt Down

Is debt settlement right for you? With the downturn in the economy, debt settlement commercials have now flooded the local television and radio markets. Before you make a decision about debt settlement, it is important that you obtain sufficient information to determine if it is the best option for you. Depending on the nature of your debt problems and your financial circumstances, debt settlement may provide the critical relief you need. In other instances, filing for bankruptcy may be your best option. But where can you turn for honest and candid advice? Many prominent debt settlement companies work directly for the benefit of creditors. Many bankruptcy attorneys do not offer debt settlement services. At Evans Law Offices, we provide bankruptcy services and debt settlement services. We do not work for the banks or credit card companies. As a result, you can be confident that we will provide the honest and candid advice you require. Our attorneys have more than 40 years of combined experience and have helped thousands of clients find solutions to difficult debt problems. We offer debt settlement services for individuals and businesses. We work diligently to seek favorable settlements of these and other debts:

  • Credit card debts
  • Medical bills
  • Judgment debts
  • Second mortgage debts
  • Personal loan debts
  • Tax debts

In addition to negotiating debt settlements directly for our clients, we also utilize civil litigation in limited cases for the benefit of our clients (with their express consent). For individuals who wish to negotiate a settlement on their own, we also offer helpful advice for a reasonable fee. To learn more, contact our law office in San Jose, Santa Cruz, and Sacramento, California. We are pleased to offer a free consultation.

How Debt Settlement Works

If retained to handle your case, we work for you, and only you. We will negotiate directly on your behalf with your creditor to seek a settlement. Because we are known as a bankruptcy law firm, it will be clear to your creditor that bankruptcy is on the table as an option if he or she is not willing to be reasonable. As a result, we have had tremendous success obtaining settlements that significantly reduce the debts of our clients!

You Need An Honest, Experienced Advocate

Did you know that when you settle debts, you could potentially be exposed to tax liabilities? Unfortunately, some debt settlement companies may not provide the candid advice you require. You need an attorney who is committed to protecting your rights.


When we handle debt negotiations, we attempt to negotiate a settlement that protects our clients from tax liabilities – and we are often successful in achieving that objective.


When we meet with you for a free consultation, we are pleased to answer your questions and provide candid advice about your rights and responsibilities. We believe strongly that an informed client is an empowered client.

Problem Debts

Debts that Bankruptcy Will Not (In Most Instances) Eliminate

Debts not discharged include debts for alimony and child support, certain taxes, debts for certain educational benefit overpayments or loans made or guaranteed by a governmental unit, debts for willful and malicious injury by the debtor to another entity or to the property of another entity, debts for death or personal injury caused by the debtor’s operation of a motor vehicle while the debtor was intoxicated from alcohol or other substances, and debts for certain criminal restitution orders.11 U.S.C. § 523(a). In many cases, the debtor will continue to be liable for these types of debts to the extent that they are not paid or renegotiated while the case is pending. Debts for money or property obtained by false pretenses, debts for fraud or defalcation while acting in a fiduciary capacity, and debts for willful and malicious injury by the debtor to another entity or to the property of another entity will be discharged unless a creditor timely files and prevails in an action to have such debts declared non dischargeable. 11 U.S.C. § 523(c); Fed. R. Bankr. P. 4007(c).

Call Us Today For A Free Consultation

We serve clients throughout Northern California. To schedule a free consultation with bankruptcy or family law lawyer at our firm, call (408) 298-8910 or (831) 998-8144 or (916) 995-2750 contact us by email. Evening and weekend appointments are available upon request.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.