Debt Negotiation and Reorganization

San Diego Debt Negotiation and Reorganization Attorney

Filing for bankruptcy is not for everyone. Bankruptcy attorney D.J. Rausa helps clients negotiate with their creditors to reduce or reorganize their debts outside of the bankruptcy process. With over 20 years of experience as a California consumer bankruptcy attorney, D.J. Rausa is an assertive negotiator. He has handled countless debt negotiations and reorganizations for clients throughout California.

To learn more, schedule a free consultation with a San Diego debt negotiation and reorganization lawyer.

Why Do I Need an Attorney?

Many individuals attempt to negotiate with their creditors on their own. However, they often find themselves up against a wall. Creditors are much more likely to respond to an attorney's call. They are also more likely to agree to a better settlement when an lawyer is present at the negotiation table.

For the best results with debt negotiation and reorganization, you need an advocate who knows the system. Attorney D.J. Rausa knows creditors, knows the law, and knows what to do to get results. When you have extensive debts and would like to protect your family's assets, turn to him.

Debt Workouts and Debt Consolidation

In the best cases, a debtor will be able to negotiate a permanent reduction in the debt he or she owes a creditor. Known as a debt workout, creditors often agree to debt reduction if a debtor would be able to remove the debt completely in Chapter 7 bankruptcy.

In other cases, the creditor will negotiate a debt consolidation with the debtor. Debt consolidation allows the creditor and debtor to reorganize debt through extended payment plans.

Attorney Rausa has experience successfully negotiating debt workouts and debt consolidation plans for individuals with overwhelming debt. When you want relief from credit card debt, home mortgage payments, medical bills, court judgments and more, attorney Rausa can help.

When Is Bankruptcy a Better Debt Relief Option?

While debt reorganization is a promising option for many individuals, it can also lead to consequences, such as higher taxes. In some cases, the creditor may not be willing to reorganize or consolidate debt. D.J. Rausa can help you understand all of your options for debt relief, including determining whether you can and should file for Chapter 7 or Chapter 13 bankruptcy.

Contact a Kearny Mesa Credit Card Relief Lawyer

  1. Contact a debt negotiation and reorganization lawyer toll free(619)295-3322. Consultations are available by appointment during regular business hours. Evening and Saturday appointments are also available.

Free Initial Consultations * Available Evening and Weekend Appointments

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D.J. Rausa

With over 21 years of experience as a consumer bankruptcy attorney, D.J. Rausa stays on the cutting edge of Bankruptcy and Student Loan Law which enables him to provide vital information to his clients.

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Thank you DJ!

I had no idea where to start with my bankruptcy and process. After my first meeting with DJ I felt confident that things were going to go well. He helped guide me through the entire process and time. 

He's very professional and courteous, thorough and extremely knowledgeable. 

I would recommend anyone that needs a bankruptcy lawyer/ student loans. 

Don't have a second thought when choosing DJ Rausa!

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Posted by a client - February 15, 2016

AVVO Lawyer Rating is Superb!

Respected Legal Source

D.J. Rausa interviewed by the Wall Street Journal for article on Bankruptcy and Student Loan Debt.

D.J. Rausa is recognized as a legal expert in Student Loan Debt Resolution and the associated Bankruptcy Laws.

Read what D.J. recently told The Wall Street Journal regarding the probable rise in Student Loan Debt Resolution through Bankruptcy.

Client Testimonial

To whom it may concern,
Mr. Rausa is extremely knowledgeable with the complexities of Federal Student Loans.
I went from a thriving career to full medical disability, ending with an SSDI placement. Unfortunately, I lost everything and became unable to continue making the student loan payments, so it was in deferment for over five years. When the SSDI settled I tried to negotiate an affordable payment plan with the loan holders but they refused my efforts, instead demanding over twice the amount I could afford.
I contacted Mr. Rausa and found him to be courteous, responsive and quick to assess my situation. He was sure he could help and took time to answer all questions, which relieved much anxiety. Within months he successfully resolved the debt! With much confidence, I highly recommend Mr. Rausa.
Please contact me if you have any additional questions.
Sincerely,
 CJWaldenSignature
CJW
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