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Debt Settlement
Van Law Firm

Debt Settlement

Are you facing financial hardship but looking for an alternative to bankruptcy?

If so, debt settlement might be the solution you need to get out of debt and get back on the right track. At Van and Associates, our Las Vegas debt settlement lawyers can work with you to negotiate a settlement with your creditors to repay your debts through a lump sum or over a designated period of time.

We help clients settlement the following types of debt:

  • Mortgages
  • Lines of credit
  • Credit card debt
  • Student loans

Debt settlement may include:

  • Loan modifications
  • Bankruptcy
  • Short sales
  • Foreclosure Mediation Program

Why You Should Consider Debt Settlement?

If you fail to pay your debts, you can face foreclosure (loss of ownership of your home) and a possible lawsuit by the creditor. If a creditor obtains a judgment for the unpaid debt, you face wage garnishment, liens on your property, and loss of other funds/assets. For some people, bankruptcy is a viable option for getting back on track financially without foreclosure and more onerous consequences of debt default. But for others, debt settlement might be a preferable solution.

At Van and Associates, our Las Vegas debt settlement lawyers will help you get peace of mind and move on with your life by negotiating the appropriate debt settlement. In many cases, debt settlement will be used in combination with other legal tools, such as bankruptcy, short sale, loan modifications, and the Foreclosure Mediation Program.

We work with clients to settle the following types of debt:

  • Mortgage Debt. Many times we are able to reach settlements with mortgage lenders on home mortgage loans for as little as 10% of the amount owed, depending on the lender, the amount of the down payment, and whether you have private mortgage insurance (PMI).
  • Credit Card Debt. We can often settle credit card debt for 25-50% of the amount of the debt, depending on the credit card company, whether you recently took out a cash advance, and the age of the debt.

Contact us at (702) 529-1011 to schedule a free consultation to learn more about your debt settlement options.

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