Debt relief & settlement
Explore whether negotiated repayment may help resolve eligible unsecured debt for less than the current balance.
Attorney-led debt relief
A clearer path through overwhelming debt.
Understand your options, protect what matters, and move forward with a plan shaped around your real financial life.
Free initial consultation. No judgment, no pressure, and no promise that one solution fits everyone.
30Years of legal experience
226025California State Bar number
English + SpanishLanguages supported
Ways we can help
Debt relief is not one-size-fits-all.
We help you compare the available paths, understand the tradeoffs, and focus on a solution you can realistically sustain.
Bankruptcy options
Understand how Chapter 7 or Chapter 13 may apply to your circumstances, assets, income, and goals.
Debt consolidation
Review whether combining multiple payments into one plan could make repayment more manageable.
Credit card debt
Build a strategy for high-interest balances, missed payments, collections, or escalating minimums.
Medical debt
Assess medical bills in context and consider available negotiation, repayment, and relief paths.
Payday loan debt
Get help evaluating recurring withdrawals, high fees, and a cycle that has become difficult to stop.
The right approach depends on your complete financial picture. Service availability and outcomes vary by state and individual circumstances.
Good advice begins with the full picture—not just the balance on a bill.
It may be time to talk if
- Minimum payments barely reduce your balances
- Collection calls are adding daily pressure
- Payday loans keep renewing or rolling over
- You are using one account to pay another
A grounded process
From uncertainty to a workable plan.
You do not need to have everything organized before you get started. We start where you are and take the next steps in order.
Explore your options-
01
Listen
We learn about your debts, income, priorities, and the pressure you are facing now.
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02
Evaluate
We compare practical options and explain the potential costs, timing, and consequences.
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03
Move forward
You choose the path. If you proceed, the team helps you understand each step along the way.
California State Bar
No. 226025
Meet the principal attorney
Lyle David Solomon
Consumer finance attorney · 30 years of experience
Lyle Solomon is a member of the State Bar of California with extensive litigation, legal research, and writing experience. His work focuses on helping people understand consumer debt, credit, and bankruptcy issues.
According to his attorney profile, he has helped more than 6,000 people become debt-free and has contributed educational articles on debt, credit, consumer law, and personal finance.
- Education J.D., University of the Pacific, McGeorge School of Law
- Undergraduate B.A. in Criminal Justice, University of Nevada, Las Vegas
- Languages English and Spanish
Common questions
What to know before you get started.
Debt relief can affect your finances in important ways. A conversation should help you understand both the benefit and the tradeoff of each option.
What debt relief options can I discuss?
Depending on your circumstances, the conversation may cover settlement, consolidation, repayment planning, or bankruptcy. Not every option is available or appropriate for every person.
Does a consultation commit me to a program?
No. The purpose of the initial conversation is to understand your situation and available paths. You decide whether and how to move forward.
Can debt relief affect my credit?
It can. Missed payments, settlement, and bankruptcy may affect credit differently. The impact depends on your current history and the option you choose.
How do I know if bankruptcy is the right choice?
Bankruptcy is a legal process with eligibility rules and long-term consequences. An attorney can help assess your income, debts, property, and alternatives before you decide.
A first step, not a commitment
Let’s make the next decision clearer.
Review your debt-relief options and how the process works.
Explore your options