Can A Debt Settlement Law Firm in California Help Me?

Daniel Gamez
3 min readSep 16, 2020


Can a debt settlement help me get out of credit card and student loan debt?

High credit card debt and private student loan debt are two of the most compelling reasons to hire a debt settlement law firm in California. A debt settlement is a negotiation between you (the borrower) and the lender that you will pay a significantly reduced amount of your total overall debt in a lump sum or over a period of time in installments. For instance, our client owed Citibank $8,410. In just one phone call, we negotiated a debt settlement with the collection agency to settle the debt for $2,106. Our client only paid 25% of the total debt due.

Another client owed American Express over $38,000. She was going through a divorce and could not afford her payments. After being sued for this debt, she hired us and we negotiated a credit card debt settlement in California for them to accept $10,000 instead of $38,000. We saved our client $27,800 — which was approximately 75% of the total debt owed.

An experienced debt settlement attorney will work with your lender to reach an agreement that is favorable to both parties and affordable to you. Why do lenders find debt settlements favorable? Simple, they would rather receive some of the debt back than have you declare bankruptcy and receive nothing.

Advantages Of Hiring A Debt Settlement Law Firm

If you live in or have debt in the state of California, it’s important to hire a debt settlement law firm rather than a debt settlement company. If you have been sued by a credit card company or other lender (or think you might soon be sued), then a debt settlement attorney in California can represent you in a court of law. A debt settlement company cannot. As the Federal Trade Commission points out, debt settlement companies are often associated with scams who ask for large cash advances up front and do little to help consumers. Whereas, debt settlement law firms are held to ethical obligations under the law. Your goal in hiring a debt settlement lawyer is to SAVE money, not waste money on a scam.

Our client owed American Express $33,036 in credit card debt. Before filing a lawsuit against our client, they demanded the entire debt owed to be paid off in monthly installments. American Express ended up suing our client for the full balance. We negotiated a debt settlement for $16,000, payable over a 15-month term. Our client saved 52% of the total debt they owed.

Another client owed Navient over $143,000 in student loan debt. She hired us to negotiate a student loan debt settlement. Over the course of our representation, the debt skyrocketed to over $156,000 due to accruing interest. Navient sent her account to the law firm of Weltman,Weinberg & Reis for collections. We were able to settle her account for approximately $50,000 — saving our client over $100,000 in a student loan debt settlement.

Hire A California Debt Settlement Law Firm

A skillful California debt settlement lawyer can most likely negotiate down your debt and save you money. Our law firm offers a consultation free of charge to go over your particular debt situation, map out a plan for you to get out of debt and save money. Contact us at 858–217- 5051 to set up a free consultation. To read about some of the hundreds of consumers we have helped with debt settlement in California, visit our client success story page.

Daniel R. Gamez is a debt attorney serving clients nationwide and focuses exclusively in debt relief. He is licensed to practice in all state and federal courts in California and Texas. Mr. Gamez owns and operates the Gamez Law Firm in San Diego and Los Angeles, and helps people with debt problems all over the country. For more information, please contact Daniel Gamez at 858–217–5051, or use our online contact form. Stay updated about the latest debt relief tips by following on Facebook and Twitter and read about client success stories on our website.



Daniel Gamez

Debt relief attorney helping others to live a life free of debt