Debt Negotiation and Reorganization

San Diego Debt Negotiation and Reorganization Attorneys

Filing for bankruptcy is not for everyone. Bankruptcy attorneys Chris Bush and D.J. Rausa help clients negotiate with their creditors to reduce or reorganize their debts outside of the bankruptcy process. With over 20 years of experience as California consumer bankruptcy attorneys, D.J. Rausa and Chris Bush are assertive negotiators. They have 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. Our attorneys at Debt Doc know creditors, know the law, and know what to do to get results. When you have extensive debts and would like to protect your family's assets, turn to them.

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.

Attorneys Rausa and Bush have 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, our attorneys at Debt Doc 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 and Chris Bush 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

Contact our debt negotiation and reorganization lawyers at (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

Read 76492 times

Initial Free Consultation

  1. Your Name(*)
    Please let us know your name.
  2. Your Email(*)
    Please let us know your email address.
  3. Phone(*)
    Please write a subject for your message.
  4. Message(*)
    Please let us know your message.
  5. Invalid Input
  6. Enter Code
    Invalid Input

Compassionate. No-nonsense. Great job. Saved me $85K!

I had three choices: two large groups, or Mr. Rausa. I chose Mr. Rausa because of his numerous excellent reviews from clients as well as other attorneys. Also, I wanted someone to provide personal service and have a vested interest in my difficult student loan case.

I certainly made the right choice. Mr. Rausa personally answered two of my phone calls and regularly answered my emails, even on one Sunday evening.

After 30 years of student loan "prison", he got me freedom AND he even got the US Dept. of Justice to dismiss 25% of my loans, which saved me $85K.

I feel like I have a new lease on life because of Mr. Rausa. I wish I could recommend 10 stars.

stars
Posted by a client - September 25, 2018

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.

Debt Doc's 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,
Debt Doc's attorneys are 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 DJ Rausa at Debt Doc 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
Websites with bunus at Bingo gbetting.co.uk/bingo games.