Credit Card Debt
Stop the interest spiral on your cards
Credit card debt compounds faster than almost anything else a household carries. Once an account goes 180 days past due it is typically charged off and sold, and the next letter often comes from a debt buyer rather than the original issuer. We handle both stages: negotiating reduced payoffs while the account is still with the issuer, and defending the lawsuit if it has already been filed.
What's included
Issuer and debt-buyer negotiation
We negotiate directly with the party that actually holds the account, whether that is the original bank or a purchaser.
Interest and fee challenges
Penalty APRs, late fees, and post-charge-off interest are reviewed against your cardholder agreement and applicable law.
Lawsuit defense included
If a card account is already in suit, the same team answers the complaint — settlement and defense move together.
Written payoff terms
Every reduced payoff is documented in writing before payment, with confirmation the balance is closed.
How it works
- 1Review of every card, balance, and charge-off status
- 2Affordability analysis and target payoff figures
- 3Negotiation with issuers or the current account owner
- 4Written settlement and payment schedule
- 5Confirmation the account is reported as resolved