Debt Relief Success Stories

debt settlement success stories

Our goal at the Gamez Law Firm is to give you a life free of debt with excellent customer service. View successful debt settlements and debt relief success stories we’ve made for our clients below.

San Diego debt relief attorney Daniel Gamez will aggressively fight your creditor to give you the best possible outcome in debt lawsuit defense, credit card debt settlement, student loan debt, second mortgage debt, payday loan debt, medical debt, small business debt, bankruptcy, foreclosures, credit repair, debt collection harassment, bank levies and wage garnishment, short sales and wrongful repossession. Contact today for a Free debt consultation.

View debt relief success stories such as

We’ve given our clients debt relief from major banks, credit and loan companies. Clients have reduced debt from Citibank, Chase, American Express, Discover Card, Navient, Best Buy and more!

A Few Client Testimonials

Navient student loan debt settlement success story

debt relief success stories gamez law firm san diego

View more debt relief testimonials 


Credit Card Debt Success Stories

Our debt relief services have helped lower or wipe out debts completely with major credit card companies, banking companies, lenders and more. Some companies we have helped our client settle credit card debt with Citibank, American Express, Chase Bank, USAA, Target, Discover Card & more! We’ve reduced clients debt anywhere from 25% – 100% of their total debt, it all depends on the individuals situation.

  • Our client owed Citibank in excess of $14,000. After sending several letters to various departments of Citi’s collection departments, they agreed to take the balance down to $0.00. That’s a 100% savings! This was the final account for our client and he is now heading into retirement debt free!

  • Our client owed a debt to Citibank for approximately $13,138.22. Once the account went into default, Citibank sold it to ICON Equities, LLC. They farmed the debt out to Viking Client Services in an attempt to collect the debt. Once with Viking Client Services, we were able to settle the account for $6,000.00, payable over 12 months at $500.00 per month. We saved our client $7,138.22 (approximately 55% of the amount due) and got our client on a payment plan that met her monthly budget.

  • Our client owed $4,555 to Citibank through their collection agency Global Credit Collection. Since Global Credit is not permitted to speak with a debt settlement attorney, we requested that the debt be returned to Citibank’s Collection and Recovery Department. We then settled this account directly with Citibank for a one-time lump sum payment of $1,594.11, which is 35% of the balance due. We saved our client just under $3,000.00 on this account.

  • Our client owed $14,083.05 to Citibank. The account went into default and Citibank eventually farmed the account out to Northland Group for collections. Northland Group agreed to settle this account for $2,850.00, payable over a 3-month period at $950.00 per month. Our client only has to pay back 20% of the amount claimed due, a savings of $11,233.05.

 

  • Our client owed Citibank $12,078 for a delinquent credit card debt. After explaining our client’s extensive hardships, including being a single mom with a school-aged child with limited child support. We convinced Citibank to accept $3,020.00, payable in a lump sum, to fully settle this account. Our client realized a saving of 75% of the amount due ($9,058.00). It’s always fun to call a client to let them know that we reached a settlement below our original estimate for settlement!

  • Our client owed Citibank $14,055.00 on three separate accounts. After he stopped paying them, the accounts were eventually sold to Northland Group, Inc. We negotiated with the Northland Group and they agreed to accept $4,216.00 (30% of the amount claimed due) on all three accounts, payable over a short term of 3-12 months.  We saved our client $9,838.35 on these three accounts.

 


  • Our client owed Citibank $6,340.00 on two separate credit cards. The accounts were sold to a third party debt buyer, Icon Equities. This turned out to be the perfect time to contact them to get the account settled within 2 days of Icon receiving the accounts. They agreed to accept $2,536.00 in a lump sum to fully settle both accounts. We saved our client $3,804.00 on these two accounts.

  • Citibank sued our client in Florida way back in 2005.  Our client had no idea she had been sued. She moved to San Diego and Citibank somehow figured that out and domesticated the Florida judgment here in San Diego County. The total due was $15,432.35. With a judgment now enforceable in California, Citibank prepared to enforce the judgment by bank levy or wage garnishment.  We were able to step in to negotiate a settlement of $8,286.00, which is a little over half of the amount claimed due. This helped our client avoid the embarrassment of her employer receiving a wage garnishment order. And put this 11-year-old debt to rest.

 


  • Our client owed Cash Central in excess of $4,500.00 on a payday loan. We negotiated a settlement of $1,000.00, with payments over 10 months. We saved our client saved approximately 78% of the total balance claimed due.

  • We settled our client’s Best Buy account for 40% of the balance owed on the account. More important, Best Buy agreed to have the account reported to the credit bureaus as “Paid in full.” This will give our client an immediate increase in his credit score, which is his overall goal in settling his debts.

  • Our client owed Bank of America $11,134.27. After explaining her significant hardships, Bank of America offered to settle the matter for $3,000.00. Our client paid approximately 27% of the amount owed, saving a little over $8,000.00 on this account.

 

  • Our client owed Bank of America $8,452.45 and had been sued by creditor law firm Hunt & Henriques. We were able to negotiate a settlement of $4,500.00, payable over a 7-month period. Our client was pleased to avoid the unnecessary headache of fighting this out in court.

  • Our client owed ARS National Services, a third-party debt buyer, $3,708.00. We negotiated a settlement of $1,297.00, payable in a lump sum. Our client saved 65% of the amount owed and will soon be debt-free!

  • Our client owed ARS National Services, a third-party debt buyer, $4,389.00. We negotiated a settlement of $1,200.00, payable in a lump sum. Our client saved approximately 73% of the amount owed.

 

  • Our client owed Capital One in excess of $10,000. We negotiated the balance down by 50%, with up to 24 months to pay off the balance of the settlement.

  • Our client owed Capital One $12,500.00 on her credit card. When she became unable to pay, Capital One referred the cased the Hunt & Henriques, a debt collection law firm in California.  They filed suit against her after they were unable to collect. Once served with the lawsuit, she retained our firm for representation in the lawsuit. We were able to settle this account for $6,500.00, payable over 12 months.  We helped our client stay out of court by getting this account settled within a matter of a few days of retaining our firm. The case has since been dismissed and she is now well on her way to becoming debt free. 

 


  • Capital One sued our client for $22,152, on a delinquent credit card account. We were able to settle the account for a one-time lump sum payment of $11,076. We saved our client 50% of the amount due. Most important, we helped our client avoid litigation and potential wage garnishment and bank levies without having to fight this out in court.

  • Our client owed Capital One $5,561.26. The account had been past due for a couple of years and Capital One maintained the account in-house instead of sending it out to a collection agency, which they usually do. We negotiated with Capital One to reduce the balance by 50% for a settlement of $2,780.63.

  • Our client had a judgment entered against him in the amount of $3,657.06, prior to retaining our firm. Plaintiff attempted a bank levy to collect on the judgment. We immediately stepped in and settled the matter for $2,500, with the agreement that the bank levy be terminated. That’s $1,157 saved! Post-judgment settlements are possible, even if not at the rate of savings our clients enjoy prior to any judgment being entered.

  • Our client owed Barclays Bank $2,905.00. We were successful in negotiating a lump sum payoff of $1,089.00 to fully settle the matter. We reduced our client’s debt by 63%.

  • Our client owed Forward Movement Recovery $670.00. After sending out one letter demanding validation of the debt owed, Forward Movement presented a settlement offer of $67.00, which reduced our client’s debt by 90%.

  • Our client owed Banamex USA $8,761.33 on a defaulted credit card account. Soon after retaining our firm to negotiate this debt and several others, we were able to settle this account for $876.13.  We saved our client $7,885.20 (90% of the balance due) on this account.

 


  • Debt buyer Cavalry SPV sued our client for a debt previously owed to Citibank in the amount of $15,168. We were successful in reaching a settlement in the amount of $3,000, without having to answer to the lawsuit. We saved our client approximately $12,000 on this debt without her having to deal with the stress and cost of litigation.

  • CACH, LLC sued my client for a debt totaling $27,124. We settled the case one week prior to trial for $13,500, payable over 27 months. We saved our client approximately 50%, and helped him avoid having to experience appear at trial to testify.

  • One of our clients owed Citi $40,100. We were able to negotiate a settlement of $12,045, payable in a lump sum. We saved our client over $28,000 on this credit card debt.

  • Our client owed 11 different creditors a total of $73,275.00. During the course of a 9-month period, we negotiated this debt down and our client paid a total of $29,294.94 to fully settle all 11 accounts. Our client realized a savings of 60% of the total balance due on these accounts.

  • Our client owed $12,357 to First National Bank of Omaha. After receiving “final offer” of $4,200 from the creditor, they agreed to accept $3,700 to settle the debt. Our client saved 70% on the balance due.

  • Our client owed $5,055.94 to Citibank. We negotiated with creditor and reduced her debt down to $1,850. That’s a savings of 63%.

 

  • Our client owed Citibank $8,410.00. In just one phone call, we convinced their collection agency to settle for $2,106.00, saving our client 75% of the amount claimed due.

  • Our client owed American Express $33,036. Prior to filing suit, they demanded a full balance payoff, payable in monthly installments. American Express subsequently sued our client for the full balance. We negotiated a settlement for $16,000, payable over a 15-month term. Our client saved 52% on the balance due on this account.

  • Our client owed American Express $30,096.72. AMEX referred the account to the law firm Nelson & Kennard, who filed suit against our client. We were successful in settling this account for $15,500.00, payable in two payments, without having to file an Answer and fight this out in court. We saved our client $14,596.72 on this account.

  • Our client owned a construction company that did not survive the recession. He owed American Express Bank $27,442.36 on a credit card used for this business when he was forced to close it down. American Express sued my client and the business for the full amount due, plus court costs and attorney’s fees of $630.00. We were able to step in and settle this matter for a one-time, lump sum payment of $12,000.00, without having to file an Answer to the lawsuit.  We saved our client $16,072.36 (a 60% discount on the amount claimed due). 

 


  • Our client owed $7,804.07 to American Express/Citibank for a Costco credit card. He became unable to pay this account after his business shut down. The account eventually got referred out to a collection agency, Credit Control. Once with them, we were able to negotiate a settlement of $2,731.42, which is approximately 35% of the total balance due. We saved our client $5,072.65 on this delinquent credit card debt.

 


  • Our client is having a tough battle with cancer treatment while also going through a divorce that has not been amicable. To top it off, American Express hired The Law Office of Sara J. Hamilton to sue her for her AMEX credit card account with a balance in excess of $37,800.00.  Her divorce attorney referred her to our firm to see what we could do to help her. We explained the situation to the attorneys representing American Express and convinced them to accept $10,000.00 to fully settle the debt. We saved our client $27,800.00 (approximately 75% of the balance due). We were able to deliver this news just before the holidays. Hearing the relief and gratitude from our client made my year. This is the reason I love what I do.

 


  • Our client owed American Express $3,369.00. AMEX sent her account to Nationwide Credit, which is one of their collection agencies. Nationwide originally requested that she pay 60% of this balance to have the account considered settled in full. After a series of phone calls back and forth, explaining that our client is unemployed, Nationwide agreed to accept approximately 30% of the balance, which came out to $1,050.00. We saved our client $2,319.00 on this account. 

 

  • Our client owed American Express approximately $6,320.00. My office started getting phone calls from 877-434-3248, but the caller would not leave a message. I later learned that this number belongs to American Express Global Collections. After speaking with a representative, we were able to settle this account in a lump sum for $2,212.00, which is 35% of the total balance due.

  • Our client owed Chase Bank $14,249. During the course of our representation, Chase notified our client that the entire debt was being discharged. Our client saved $14,249 – or 100% of the total debt owed.

  • Our client owed Chase Bank $17,143. During the course of our representation, Chase notified our client that the entire debt was being discharged. Our client saved $17,143 – or 100% of the total debt owed.

  • Our client owed Chase Bank $20,589.00. We tracked the debt down to MRS Associates, a collection agency acting on behalf of Chase Bank. MRS agreed to accept $7,500.00, which is a 64% savings of the total credit card debt due.

  • Our client owed Professional Collection Consultants in excess of $20,400.00 on a defaulted Chase Bank credit card account.  They eventually sued our client and had a judgment entered against him.  Professional Collection Consultants levied on his bank account to try to satisfy the judgment. This is when we were retained to see if we could negotiate a settlement. We settled the outstanding amount owed for $6,000.00, payable in a lump sum. We saved our client over $14,400.00 on this judgment. More importantly, he no longer needs to be concerned with a bank levy, which always comes as a surprise. 

 


 

  • Our client owed Chase Bank $1,474.88. This was her final account we were hired to settle and she was anxious to be debt free. She recently received her undergraduate degree and is heading off to graduate school soon. Chase held strong at $960.00 until we explained her hardships, including being a single parent with mounting student loan debt, Chase agreed to accept $600.00, approximately 40% of the amount due, to resolve this matter.  Our client is now debt free and on her way to graduate school. We wish her the best continuing on with her education free of the burden of her credit card debt!

  • Our client owed $15,880 on his Chase Alaska Airlines credit card. During our negotiation with Chase, their settlement offers went all over the place from $6,300 up to $9,000, then down to $8,200. We remained steady that our client could only come up with $6,000 to settle this account.  Despite being told numerous times that they could only accept $6,570, we finally convinced them to accept the $6,000 we had been offering for months. We saved our client $9,880 on this credit card debt.

 


  • I’ve read online that settling small debts is more difficult and getting a significant reduction is almost impossible. Our client owed Synchrony Bank $529.87. We convinced Synchrony that $158.00 was the most they would ever get from this client. They agreed to this settlement of approximately 30% of the amount owed. They even offered to allow her to pay this settlement off over 3 monthly payments. Don’t tell me I can’t do something!

 

  • Our client voluntarily surrendered his vehicle after he could no longer afford the payments. The lender sold the vehicle at auction and billed the client for the $22,000 deficiency balance due on the loan. During the course of our representation we were notified of a defect in the notice of sale the bank sent out to our client. As a result of a pending settlement in a class action lawsuit, he now owes nothing on this balance – or 100% of total debt owed. Money he set aside for this debt can now go towards the settlement of his other debts.

  • Our client had a judgment entered against her she did not know about. She first learned of it when she got a call from the law firm threatening to garnish her wages. Within an hour of retaining the Gamez Law Firm we were able to reach an agreement with the creditor to reduce the judgment amount by 25%, cease accrual of post-judgment interest, and allow our client to pay the negotiated amount over a 12 month period. This will prevent the embarrassment she faced of her employer receiving a wage garnishment order.

 

  • Our client owed third-party debt buyer, CACH, LLC, $21,204.82 for a debt originally owed to GE Money Retail Bank. Various collection agencies attempted to collect on this debt. During that time, the 4-year statute of limitations for the creditor to sue expired. CACH, LLC can no longer sue our client to collect on this debt, but can legally attempt to collect. Our client wisely decided to tell CACH, LLC to pound sand! Our client realized a savings of 100% on this debt. He is now in retirement and no longer in fear of these creditors coming after him.

  • American Express sued our client for $46,654. Our client never disputed this amount during the course of defending the lawsuit. Despite this, we negotiated a settlement of $18,000 for our client. The Gamez Law Firm negotiated a payoff equal to 38% of the total amount due on the account, saving our client $28,654.

  • Client owed in excess of $39,000 to USAA. We were successful in negotiating a settlement of $4.000.00. The Gamez Law Firm reduced approximately 90% of the amount owed.

  • Client owed a total debt of $13,475, due to a third-party debt buyer who filed a lawsuit. Our firm settled the debt for $3,000.00. The Gamez Law Firm saved our client $10,475or 77% of the total debt owed.

  • Citibank sued our client for $1,200. The Gamez Law Firm settled the case for $500, without our client having to appear in the lawsuit, avoiding additional attorney’s fees and court costs. The Gamez Law firm saved our client $700or 58% of the total debt owed.

  • Discover Card sued our client for $7,300. We settled the debt for $3,500, payable over a 12-month term. The Gamez Law Firm saved our client $3,800or 52% of the total debt owed.

  • Our client owed Discover approximately $6,843.00 for a credit card. The account had been in collections for over two years when we were retained to step in to negotiate a settlement. We negotiated with Discover to settle this account for a one-time lump sum payment of $3,000.00. We saved our client $3,843.00 on this debt that would certainly have resulted in a lawsuit if not resolved so quickly.

 


  • One client owed Target $1,594. We settled the debt for $478. The Gamez Law Firm saved our client $1,116or 70% of the total debt owed.

  • Our client owed $7,941.26 to Target. When she could not pay the debt, Target retained a law firm to sue her. Unfortunately, she never filed an Answer to the lawsuit and Target had a default judgment entered against her for the full amount due, plus attorney’s fees. Once we were retained, we negotiated with the law firm representing Target to reduce the balance down to $5,587.40, with payments on this settlement over 24 months. By settling, our client no longer needs to worry about Target coming after her paycheck through a wage garnishment or freezing her accounts with a bank levy.

  • Our client had a Target credit card she could not afford to pay back. Target eventually sued her and obtained a judgment totaling $4,305.32. Target then levied on her bank account; freezing the $2,000 she had in her account. She retained our firm to see if we could get this money back that she needed to pay her rent. We negotiated with the law firm representing Target to return $1,500 to her account. Additionally, we negotiated to settle the account for approximately $2,150, including the $500 they kept from the bank levy.  The remaining amount due will be paid to them over a 6-month term for about $275.50 per month.

 


  • Another client owed Chase Bank $20,472. During the course of our representation, Chase notified our client that the entire debt was being discharged. Our client saved $20,472 – or 100% of the total debt owed.

  • One of our clients owed Chase Bank $15,100. During the course of our representation, Chase notified our client that the entire debt was being discharged. Our client saved $15,100 – or 100% of the total debt owed.

  • Discover Bank levied on a client’s checking account for $5,500 (on a payday) to partially satisfy a $35,000 judgment. After we challenged the levy, the court ordered the return of $4,125 to our client. The Gamez Law Firm helped our client get the money back they needed, to pay for rent and other basic necessities of life.

  • Our client owed Discover Bank $28,850.30. When he defaulted in payment, Discovery Bank transferred the account to LTD Financial Services, which is a collection agency. We stepped in and started negotiating with LTD for a settlement. They were demanding a lump sum payment and our client’s family agreed to step in as a third-party source of settlement funds.  We negotiated a settlement of $17,315.00, payable in a lump sum. Our client saved $11,535.30 (approximately 40% of the amount due).

  • Our client owed Nordstrom $2,802.81 on a past due, charge-off account. Once the account charged off, Nordstrom sold the account to third-party debt buyer Admin Recovery, LLC. We negotiated with Admin Recovery to settle the account for a one-time lump sum payment of $800.00. We saved our client approximately 71% of the balance claimed due ($2,002.81).

  • Our client had a business credit card account with Bank of America Alaska Visa. The balance exceeded $37,000.00.  The business failed, but the debt remained a personal liability for our client. Bank of America assigned the debt to LTD Financial Services for collections. We negotiated with LTD to settle the account for $11,350.00. We saved our client just under $26,000.00 (a 70% savings on balance due).


Student Loan Debt Relief Success Stories:


  • Our client came to us owing Navient in excess of $143,000 for her private student loans. Realizing that paying this debt off would be nearly impossible in her lifetime, despite being in her early 30s, she wisely chose to start looking at her options. We were fortunate to have her contact our firm to see if we could help her resolve this debt. During the course of our representation, accruing interest caused her loans to skyrocket to $156,845.31. We endured countless threats from Navient, including threats that the debt would be “going to the next level” if she didn’t bring her account current.  That “next level” turned out to be nothing more than another collection department within Navient. They eventually sent the accounts out to the law firm Weltman, Weinberg & Reis for further collections. Once with this firm, we were able to settle our client’s private student loans for $50,019.73. We saved our client $106,825.58 on her private student loans, approximately 70% of the total amount due. We are thankful that our client stuck to her guns and continued to have faith in our firm to get her loans settled.  Settling student loan debt can be a nerve racking experience and ignoring idle threats from Navient proved to be a successful strategy. We are so excited to get this awesome result for our client

  • A client had a very old student loan debt owed to Sallie Mae/Navient. After researching her credit reports, we discovered that default occurred over six years ago. Under California law, Navient had four years from the date of default to file suit to collect on the debt. With this ammunition, I contacted Navient and explained that my client had no intent on paying even one penny towards this debt. Navient is now time-barred from filing suit against her. They can still try to collect informally through phone calls and letters, but she is under no obligation. Every once in a while a client lucks out. Glad to report it happened to a client of Gamez Law Firm!

  • Our client owed Navient $142,263.75 for private student loans that went into default. The client had a relative willing to help pay a negotiated settlement. We settled the debt for $45,000.00. Our client realized a savings of $97,263.75.

  • Our client owed Navient $83,739.80 on his private student loans. He became unable to make the monthly payments. His loans then went through Navient’s internal collections and internal recovery departments for months.  As usual, Navient made threats that if payments did not resume, the accounts would be “taken to the next level” among other idle threats. The loans eventually got referred out to the law firm Weltman, Weinberg & Reis, an Ohio-based law firm. Once with their offices we were able to negotiate a deal Navient claimed would never happen. We settled this private student loan for $35,000.00. Our client paid 10% of that amount down and will have the next 105 months to pay off the balance of the settlement at $300.00 per month. We saved our client $48,739.00 on his private student loans owed to Navient.

 


  • Recently we had a client retain our firm simply to review a settlement offer he received from North Star Location Services on his private student loans originally owed to Navient. He originally owed in excess of $60,000 and they offered to settle with him for about $6,000.00 (10% of the amount claimed due). Upon reviewing the matter with our client, we determined that the loans had not been paid in over 4 years, meaning he could no longer be sued over this debt. As a result, he convinced North Star to accept $5,000.00 to settle. Our client was ready to move on so it was worth it for him to pay that amount so he could start rebuilding his credit. He paid us a very small amount and was able to save an extra thousand dollars on his settlement. This was a win for all involved! We are happy to review any matter, regardless of the stage of negotiations with your creditors. Just like on this one, it could wind up saving you a significant amount of cash in the end.  

  • Our client owed National Collegiate Student Loan Trust (NCT) $35,413.69 on her private student loans. She could not afford the monthly payments on these loans. NCT eventually assigned the accounts to the law firm Bleier & Cox to sue our client for breach of contract. We were retained to negotiate with NCT’s attorneys on this debt. Within a few weeks, we were able to negotiate to cut the debt in half, down to $17,959.00, payable over 84 months. Our client will be paying $213.78 per month, interest free, until the settlement is paid in full. We saved our client $17,454.69 on her private student loans.

  • Our client was overwhelmed with her approximately $94,000 in Federal Student Loans and Private Student Loans. She could not afford the payments on both. After going through her income and expenses, we determined that she would likely qualify for an income-based repayment plan on her Federal Student Loans. We contacted her lender and were able to reduce her Federal Student Loan payment down to $25.00 per month for the next 12 months. She can re-apply for this repayment plan every year and can now afford her Private Student Loan payments as well.

  • Our client defaulted on her federal student loans years ago when she lost her job and could no longer afford the payments. She received a notice from the U.S. Department of Treasury that they had intercepted her federal tax refund to apply towards the balance. She came to us to see what could be done with her student loan. We were able to help her get into a loan rehabilitation program in which she will make 9 monthly payments of $5.00 per month to get her loan out of default. Once she completes these payments, her account will be brought current and all negative reporting will be removed from her credit reports. She will then go into repayment on the loan, but will likely qualify for lower payments through an income-based repayment plan. A Loan Rehabilitation is a great way to get defaulted student loans back into repayment as long as you follow through with an income-based repayment plan post-rehabilitation. Loan rehabilitations can be tricky, but with proper counseling and representation, this will be a huge benefit to our client.

 


  • Our client owed both Federal and Private Student Loans when she entered into a Chapter 13 Bankruptcy over 5 years ago. She successfully completed her Bankruptcy, but unfortunately, the student loan debt remained. Arrowood Indemnity had retained Sunrise Credit Services to continue collection efforts on one of her private student loans.  It didn’t take long for Sunrise Credit to come out of the woodworks and start demanding payment of the $4,647.65, which did not get discharged in the Bankruptcy. We immediately stepped in and negotiated to settle this student loan debt for $2,637.50.  We saved our client a little over $2,000.00 (about 43% of the amount due) on the Private Student Loan. Even though you may not be able to discharge a student loan in bankruptcy, it is still possible to settle this lingering debt for less than full balance. We are pleased to be able to deliver this result for our client!

 


  • Settled private student loan debt due to a third party lender. Client owed in excess of $77,892 and had been sued due to non-payment. Negotiated settlement of $39,000, payable over a 60-month term, with no interest. This is a 50% settlement of the total due.

  • Our client owed approximately $14,600.00 on a private student loan, which she had co-signed for the borrower. When the borrower defaulted on the debt, the lender filed suit and obtained a default judgment against our client. With accruing interest on the judgment, the balance went up to approximately $19,400.00. After our client had her bank account levied, she contacted us to see if we could help her settle with the law firm handling the collection of this private student loan. We were able to get the debt reduced to $10,000.00, with payments made over 100 months, interest fee. We saved our client about $9,400.00, and she no longer needs to be worried that her bank account will be levied or her wages garnished in the future.

 


  • Our client owed a combined $136,185 on six private student loans. The lender grew impatient and directed a law firm to file suit against him for each loan. Facing six lawsuits, he retained our firm to represent him. We negotiated a settlement of all six accounts for $65,000.00, payable over 66 months, with no accruing interest.  We saved our client $71,185.00 (a little over 52% of the balance claimed due).

  • Our client owed in excess of $20,300 on her private student loan. The loan went into default when she became unable to make her monthly payments. The lender eventually sent the loans to a San Diego collection law firm to collect or file a lawsuit. This is where we stepped in and negotiated to settle the account for about $12,400, payable over 36 months (about $346 per month). In addition to saving our client on the overall amount she has to pay back, she is now able to pay the settlement over an extended term at an amount that fits her monthly budget.

 


  • Our client owed  $42,579.00 on her Private Student Loans, which had been purchased by a third party debt buyer. When the new owner of this debt could not collect, it served her with two separate lawsuits and sought to obtain a judgment on these loans. Once retained, we were able to negotiate a settlement of $25,200, payable over 72 months ($350.00 per month). We saved our client a little over $17,300, payable over an extended term that she could afford to pay on a monthly basis. We did this without ever having to appear in Court to deal with the lawsuit filed by Plaintiff.

 


  • Our client co-signed a private student loan for his son.  His son became unable to pay the loans back as he re-entered school to complete his education. One of the many bad things about private student loans is that you don’t get the benefit of an in-school deferment like you would with federal student loans.  His loans now totaled $28,783.78. This client’s debts were referred to a collection law firm, which started the process of filing suit against our client. Within three days of retaining our firm, we were able to convince the lender to accept a one-time lump sum payment of $16,000.00 to settle this account. We saved our client (and his son) $12,783.78 on his private student loans. This also eliminated interest that would continue to accrue on the account, additional amounts being tacked on for the lender’s attorney’s fees, and the potential for litigation. 

  • Our client owed $88,730.96 in private student loans. When she became unable to pay on these loans, the lender referred them out to a law firm that eventually filed a lawsuit seeking this entire amount, accruing interest, and its attorney’s fees and costs. The judgment amount could have easily exceeded $100,000.00, if Plaintiff were successful. Once we were retained, we were able to negotiate a settlement for our client that including affordable monthly payments. The lender agreed to accept $47,700.00, payable over 106 monthly payments ($450.00/month) to fully settle her two accounts. We saved our client $41,030.96 on her private student loans and avoided a potential trial.

  • Our client had been sued by the lender of her private student loans. We were 10 days away from a trial on a suit for a total of $39,257.30 in damages. We settled the matter for $18,000.00, with a down payment of $5,000.00 and the remaining $13,000.00 in monthly installments of $200.00 until paid in full, with no accruing interest. We saved our client $21,257.30 and avoided a potential judgment for the entire amount due.

  • Our client owed $11,305.00 on his private student loans.  His lender sued him when he could no longer afford to repay the loan. They were successful in getting a default judgment entered against him since he did not file an Answer to the lawsuit. He received notification that the lender tried to levy on his bank account to collect on the judgment. Fortunately, he only had a small amount in his account. We were then retained to negotiate a settlement of these private student loans. We settled his loans for a one-time lump sum payment of $6,000.00 on this judgment. This judgment had the potential to haunt our client for years if he did not make an agreement. We are very pleased to get this result for our client on a post-judgment matter.

 


  • Our client owed in excess of $57,000.00 for 8 private student loans, with an out-of-state co-signing parent. We were able to negotiate a settlement of all 8 loans for $35,700.00, with the payments spread out over 84 months, with no interest.

  • Our client had his federal student loans go into default. He was facing a potential wage garnishment if he could not come up with a plan to start repaying this debt. Based on his income, we were able to get him qualified for a loan rehabilitation. Under this plan, he will pay 9 monthly payments of $5.00 per month. Upon completion of those payments, his loan will be sold to another lender for further repayment on the balance due. More important, the bad marks on his credit will be removed. He will also be eligible for forbearances, deferments, and income-based repayment plans. Not a bad deal for $45 in total payments for the next 9 months.

  • Our client owed $15,019.42 on a Federal Student Loan that eventually made its way back to the Department of Education due to non-payment and a Chapter 13 bankruptcy that lasted 5 years. The Federal Student Loan survived the bankruptcy. The Department of Education sent the account to Performant Recovery for collection. We negotiated with them to settle the account for $8,000.00, payable in one lump sum. Federal Student Loans can haunt you for life. The Department of Education can garnish your wages and intercept tax returns to repay the debt. We are thrilled to get this result for our client!

  • Our client received Notice of Administrative Wage Garnishment from ECMC due to her default in payment on her Federal Student Loans. The total amount due on her loans total approximately $16,350.00. Her income is only $15,000.00 per year. We were able to get our client into ECMC’s Loan Rehabilitation Program. Under that program she will pay $5.00 per month for the next 9 months. Once those payments are completed, all negative credit reporting will be removed and her loan will be considered current. Thereafter, she will become eligible for all Federal Student Loan Repayment Options, including deferment, forbearance and income-based repayment plans.

  • Settled private student loan debt due to a third party lender. Client owed $48,729 and had been sued due to non-payment. Negotiated settlement of $25,000, payable over a 60-month term, with no interest. Approximately 50% settlement of the total due.

  • A third-party debt buyer of private student loans sued our client for two student loans totaling $91,000. We negotiated a settlement for $45,500 (50% of the balance due) and payable over a 60-month term, with no interest.

  • Our client owed in excess of $67,000.00 on her private student loans. She defaulted in payment and got sued by her lender in Los Angeles County Superior Court. We were able to negotiate a settlement without appearing in court. As a result, our client will pay back $40,000, with no interest, over an 84-month period with payment amounts starting at $300.00 per month and increasing gradually to $583.33 per month. This saves our client the headache of having to appear for a trial. It also provides her an affordable repayment plan, at a discount of the true amount owed, and allows her to start putting money aside for other important things, such as her retirement.

  • Private student loan client sued for $18,000. Creditor settled for $10,000, with payments to be made over a three-year term. That’s $8,000 saved!


Small Business Debt Relief Success Stories:


  • Our client took out a merchant loan from Bank of the Internet/On Deck Capital for $6,000.00. Repayment of this loan would be $58.10 per month for 126 months. When our client’s business went under, he was stuck with an outstanding balance due of $7,321.00. The debt eventually got sold to CACH, LLC. We contacted them and they agreed to accept $447.37 to fully settle this account. We saved our client over $6,800.00 (approximately 94%) of the amount claimed due.


Debt Lawsuit Success Stories

Sued for debt? We can help with your debt lawsuit! View some of our debt lawsuit results from previous clients and feel free to contact us for a free consultation to go over your case


  • Our client had 2 judgments entered against her on her private student loans that had been sold to a third-party debt buyer. The judgments totaled $103,989.80, and were accruing interest at a rate of 10% per year. We settled the judgments $67,000, payable over 9 years (interest free) with graduated payments to help her ease into the payments on the settlement. We saved our client nearly $37,000, while cutting off accruing interest on these judgments. The 9-year term for repayment is the longest we have achieved for any client. Significant hardships helped us get that extended payment term.

  • Wells Fargo Bank sued our client on a private student loan with a  balance due of  $16,421. We were pending trial and requested a court mediation to see if we could get the matter settled prior to trial. We attended the settlement conference and explained my client’s hardships to a neutral judge. The judge helped convince Wells Fargo to accept $8,500.00, payable in a lump sum, to settle this matter. Our client paid a little over 50% of the balance due. More important, he avoided having to go to trial where he would have risked having a judgment entered against him for the entire balance due, plus Wells Fargo’s attorney’s fees. Sometimes you need the help of a third party to bring parties together to settle. We are pleased to get our client this result.

  • Our client owed Discover Bank $14,270.00. Discover sued our client (prior to our representation of client) and obtained a default judgment for the entire amount claimed due. Our client retained our firm to hand the post-judgment negotiation of this debt. We explained to the attorney representing Discover that they would have a difficult time collecting on this judgment. Our client owns no property and is on social security as her only income. She could only satisfy a portion of this debt by borrowing funds from a relative. Realizing the near impossibility of ever getting this judgment satisfied in full, Discover agreed to accept a one-time lump sum settlement of $6,000.00 to settle this account. We saved our client in excess of $8,200.00.

  • Our client owed $26,217.06 to Cavalry SPV I, LLC, who had sued her.  The client also owed significant amounts to the IRS and the California Franchise Tax Board. Knowing that the tax debts would take priority, we leveraged this information to settle for $2,000.00, payable in a lump sum to fully satisfy this debt.  We saved our client approximately 92% of the total debt owed!

  • Our client got sued by her credit union for approximately $18,000.00 for a deficiency balance due after the credit union repossessed and sold her car. After suit was filed, our client received a letter from another law firm threatening to sue her for the same debt. We immediately recognized this as potential violations of both the Fair Debt Collection Practices Act and the California Rosenthal Act. Both law firms and the credit union were sued for collection violations. We continued to defend the original suit filed against our client. As a result of the federal lawsuit she filed, the credit union and their several attorneys agreed to settle on the auto deficiency for $4,000.00. This is a little over 20% of what the credit union sought in its lawsuit.

 

  • Our client took out a 401(k) withdrawal in the amount of  $15,000.00, just to cover his family’s monthly expenses during a period of unemployment. A creditor had previously obtained a judgment against our client.  Unfortunately that creditor levied on our client’s account, freezing the $15,000.00. We filed a claim of exemption, arguing that this levy created an undue financial hardship on our client. The court ordered that the entire amount be returned to our client.

 

  • Our client had a judgment entered against him by Asset Acceptance, LLC, represented by the Winn Law Group. The court entered judgment for $13,478.75.  Facing post-judgment interest and the possibility of a wage garnishment or bank levy, our client came up with funds to settle for $8,900.00, payable over a 3-month period. Our client saved a little over $4,500.00.  Once the payments are made, a Satisfaction of Judgment will be filed with the court. But, most important, our client won’t live in constant fear that the money in his bank account will be taken away from him unexpectedly.

 

 

  • Our clients had a judgment recorded as a lien against their property by Atlantic Credit & Finance, Inc. They had a limited amount of time in which get this lien removed from the real property records to complete another transaction.  Within 2 business days of being retained, our firm negotiated a settlement that brought the balance down to the original judgment balance, eliminating post-judgment interest totaling approximately $1,460.00. More important, this quick settlement allowed our client to finalize their other transaction.     

  • Our client had been sued by Iver Capital Corporation, who had purchased the defaulted debt from CashCall, a payday lender. The original loan amount was $2,525.00. With an APR of 183.63%, the amount that would have been paid back under the terms of the agreement was a whopping $18,315.76 over a 45-month term. Plaintiff was claiming damages for the unpaid balance, plus interest, totaling $10,649.24. We were able to negotiate a settlement in full for $1,500.00. We saved our client $9,149.24, without having to fight this out in the courts.                  


Payday Loan Debt Relief Success Stories

Get help with payday loan debt with a free debt consultation!


  • Our client took out a payday loan with Targetcash for $700.00. This high interest loan quickly increased to $1,172.61. Unable to maintain payment on this payday loan as well as a few others, she retained our firm to help get her out of this debt. We successfully negotiated to settle the account for $362.00, payable over 3 months. We saved our client $810.61  (approximately 70% of the balance due).

  • Our client took out a payday loan with Check n Go a little offer $5,200.00 on a payday loan. Check n Go eventually sold the account to Real Time Resolutions.  We settled the account for a one-time lump sum payment of $2,000.00. We saved our client over $3,200.00 on this payday loan that had a horrible APR in excess of 120%.

 



Bank Levy Debt Relief Success Stories


  • Our client came to us after a judgment creditor levied on his bank account to satisfy a judgment. Unfortunately, the levy hit shortly after his quarterly commission check (his sole income) got deposited. Fearing he had lost this money for good, he retained us to see if we could get some of his money back.  Fortunately, since he acted quickly to retain us, we were able to get back 75% of the levied funds.


Debt Settlement Success Stories

Sued for debt? We can help with your debt lawsuit! View some of our debt lawsuit results from previous clients and feel free to contact us for a free consultation to go over your case.


  • Our client owed Genesis Credit Management a little over $14,000.00 for unpaid rent on a lease she co-signed with a friend. The friends parted way long ago and Genesis insisted on hounding our client for payment of the full amount. They admitted that they were not going after the roommate because they couldn’t find her. They maintained their settlement position for over 2 years with our firm. After pointing out that the debt is now time-barred from a lawsuit, they agreed to accept $500.00 from our client to fully settle the matter. Additionally, they agreed to delete all negative credit reporting with the 3 major credit bureaus. We saved our client $13,500.00 (approximately 96% of the amount originally demanded). Sometimes patience pays off when negotiating a settlement.

  • Our client owed Riverwalk Holdings LTD $12,400.21, on a judgment, which was accruing post-judgment interest at a rate of 10%/year. The Winn Law Group tried to levy on her bank account unsuccessfully. We were retained after our client received notice of the attempted bank levy. We stepped in and settled with the Winn Law Group for a lump sum payment of $4,000.00.  We saved our client over $8,000.00 on this judgment and she no longer has to live in fear that they will try to access her back account to satisfy this judgment.

 

* This website may be considered “attorney advertising” in some jurisdictions. Prior results do not guarantee a similar outcome. Results depend upon a variety of factors unique to each representation.


Wage Garnishment Success Stories

If you are faced with a wage garnishment, bankruptcy is not your only option to stop it. There are a number of things you can do that might prevent a creditor from garnishing your wages.


  • Our client had a default judgment entered against her by Mountain Lion Acquisitions for $13,433.49. Mountain Lion sent notification to our client’s employer that they were to begin garnishing her wages at a rate of 25% per paycheck, until the balance of the judgment was paid in full. This would have resulted in $814.00 being garnished from her on a monthly basis. We were retained to file a Claim of Exemption in an effort to reduce the amount being garnished.  We presented arguments to the Court regarding the potential financial hardships our client would face if the garnishment went forward at this amount. The Court agreed and reduced the garnishment down to $212.00 per month. This will free up about $600.00 per month that our client needs for day-to-day living expenses.

 

* This website may be considered “attorney advertising” in some jurisdictions. Prior results do not guarantee a similar outcome. Results depend upon a variety of factors unique to each representation.

Contact Now for Debt Relief!

Debt Attorney Services in California and Texas

Specializing in debt relief services to reduce your total debt and providing debt lawsuit defense to help protect you.
Contact Now for Debt Relief!