California Debt Negotiation Attorneys

Reduce What You Owe Through Strategic Negotiation and Legal Defense

The Fullman Firm represents individuals and businesses facing creditor claims throughout California. We negotiate directly with creditors, debt buyers, and collection law firms to resolve debts for less than the claimed balance.

We also investigate legal issues that may create additional leverage, including expired claims, missing evidence, improper service, defective default judgments, inaccurate balances, and improper judgment renewals.

When We Accept Negotiation Matters

Consumer Debts

For consumer debts, we generally become involved once the matter has reached the legal collection stage. This means:

• A law firm representing the creditor has sent a demand letter stating an intent to sue
• A lawsuit has been filed
• A judgment has already been entered

We do not generally accept consumer matters involving only routine collection calls or letters from a creditor or collection agency.

Business Debts

Business debts are different. We can negotiate business debts at any stage, including before a law firm becomes involved or litigation is threatened.

Early representation may provide more time to evaluate the claim, protect business operations, and pursue a resolution before court costs and legal fees increase.

Why Clients Choose The Fullman Firm

• Fees aligned with your success. Our fees include a flat fee plus a savings-based bonus. We only earn a profit when we save you money.
• Negotiation and legal defense. We can negotiate while also defending a lawsuit or challenging an improper judgment.
• We investigate the creditor’s case. Missing documents, expired claims, improper service, and defective renewals may create leverage.
• Experience with major debt buyers. We regularly handle matters involving Midland Credit Management, Portfolio Recovery Associates, LVNV Funding, and other collection firms.
• California focused. We understand the courts, creditors, and collection practices that shape these cases.
• Honest guidance. When negotiation is not your best option, we will tell you.

Which Stage Is Your Matter In?

You Received an Intent-to-Sue Letter From a Law Firm

A law firm representing the creditor has sent a demand letter stating that it intends to file a lawsuit.

For consumer debts, this is generally the earliest stage at which we accept a negotiation matter. The creditor has moved beyond ordinary collection activity and placed the account with litigation counsel.

This may be the best opportunity to resolve the account before court costs and litigation expenses are added.

You Were Served With a Summons and Complaint

A lawsuit has been filed, and a deadline now controls your options.

Negotiations may continue, but the lawsuit must also be defended. Missing the response deadline can allow the creditor to obtain a default judgment.

We can negotiate with the creditor while protecting your rights in court.

A Judgment Has Already Been Entered

A judgment does not necessarily eliminate your options.

We may investigate:

• Whether you were properly served
• Whether the default judgment is vulnerable to challenge
• Whether the judgment balance is accurate
• Whether the judgment was properly renewed
• Whether the creditor’s enforcement activity violates California law

For consumer debts, the Rosenthal Fair Debt Collection Practices Act may prohibit a debt collector from using judicial procedures, including wage garnishments and bank levies, to enforce a judgment when the collector knows that proper service was not legally completed.

These issues can create substantial settlement leverage and, in appropriate cases, support an effort to vacate or correct the judgment.

You Are Only Receiving Routine Collection Calls or Letters

For consumer debts, we do not generally accept negotiation matters at the ordinary collection stage.

The matter must usually involve:

• An intent-to-sue letter from a law firm
• A filed lawsuit
• An existing judgment

This restriction does not apply to business debts. We may negotiate business debts at any stage.