Being burdened by debt is never easy. While we all have an obligation to repay credit cards and other debts, the loss of a job, an illness, or other difficulties can leave you with overwhelming debt. One option that can help reduce the amount you owe is debt settlement.

The Fullman Firm provides first-rate settlement services to individuals throughout California. While you may have heard of other debt settlement companies, there are a lot of scam artists out there who will charge you a lot of money and then not pay off your debts as promised. When you work with us, you have the advantage of working with trustworthy consumer protection and credit defense attorneys.

Because we are lawyers, we are held to a much higher standard than other providers. In addition, our team has more than 40 years of combined experience negotiating debt settlements. If creditors are calling you at home or you are at risk of defaulting on your debt, don’t delay. Contact our experienced debt settlement lawyers for a free consultation. Once you become our client, you will have peace of mind knowing that debt relief is on the way.

What is Debt Settlement?

The process of settling debts involves negotiating with your creditors to repay less than the amount you owe. Types of debt that qualify for settlement include:

  • Credit cards
  • Medical bills
  • Signature (personal) loans
  • Retail cards
  • Payday loans
  • Cash advance loans
  • Auto loans after repossession
  • Private student loans

The reason that secured debt cannot be settled is that the creditor can seize your assets instead. As an example, if you default on your mortgage, the lender will foreclose on your home and sell it at auction. In some cases, however, you may still owe the creditor money after your assets have been seized, and that amount may also qualify for debt settlement.

While credit cards and other types of unsecured debt are eligible for settlement, the creditor may not be willing to settle and may file a lawsuit. On the other hand, many creditors agree to a debt settlement because getting some payment is better than nothing if the debtor is eventually forced into bankruptcy.

How Does Debt Settlement Work in California?

Debt settlement requires you to pay your creditor a sum that is less than what you owe. Once the payment is made, the remaining balance is wiped out. To get the best deals, it is good to have enough money on hand to make the lump sum payment, however, many creditors will still offer significant discounts on structured payment plans. Whether or not you can settle your debt depends on the circumstances

What Are the Benefits of Debt Settlement?

There are a number of advantages to debt settlement. These include:

  • Saving money!
  • Relieving stress
  • Stopping creditor calls
  • Avoiding a debt collection lawsuit/judgment
  • Protecting your paycheck and bank account

A creditor may threaten to sue, but don’t let them scare you! We can still settle lawsuits. If you are already facing a debt collection lawsuit, the Fullman Firm can help. We have decades of experience defending consumers against lawsuits filed by debt collectors in California.


We charge a small flat fee and we only earn a profit if we are able to save you money. We are willing to put our money where our mouth is and put our skin in the game with you.


We are excited to announce a new payment option for our clients: ClientCredit. Powered by LawPay, ClientCredit is a flexible legal fee lending solution with no hidden fees and no surprises. CALL US now to discuss your options. Checking if you prequalify or applying for a loan through Affirm does NOT affect your credit. This allows you to hire us immediately to solve your debt problems, while giving you flexible repayment options.

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Why Do I Need A Lawyer to Settle My Debt?

While you may be able to settle a debt with a creditor on your own, with an attorney you can leverage the law to your advantage. An experienced debt settlement lawyer can usually negotiate a much better deal and convince your creditor to settle the debt for far less than you owe.

Contact Our Dedicated California Debt Settlement Attorneys

If you are struggling with debts, you are probably frustrated, stressed and uncertain about your future. Remember, the Fullman Firm can help. When you consult with us, we will listen to you and work with you to figure out what’s best for you. Contact us today for a consultation.