Debt Settlement and Negotiation

One alternative to filing bankruptcy is commonly referred to as debt settlement. While we do not consolidate your debts into one payment, our attorneys are able to assist you with negotiating with each of your creditors to lower the amount of debt you owe.

Debt Settlement May Be Right for You

Affordable Monthly Payments

Oftentimes, if your credit card debts or medical bills are already in collections, we can negotiate to lower the amount you owe to your creditors or work out a monthly payment plan with the creditors. If creditors have already sued you for overdue credit cards or medical bills, our attorneys are familiar with the legal process and can assist you in answering the lawsuits and negotiating to reduce the total amount owed. Many times, we can not only reduce the amount that you owe to the creditor, we can also set up a monthly payment plan with the creditor at zero percent interest.

Lump Sum Settlements

The best way to settle a debt for significantly less than you owe is to offer a one-time lump sum payment. If you are able to make a lump sum payment to the creditor, the creditor may be willing to accept a very small percentage of the principal owed. It is unlikely for creditors to reduce total balances and allow you to make monthly payments on past-due debt.

Determine if Debt Settlement is Right for You

If you have any further questions about debt consolidation, please call the Law Offices of Charles Clapp at (404) 585-0040 or contact us on the web for a free consultation with an attorney.


Charles is absolutely a brilliant attorney! He is a critical thinker and determined problem solver. He is very accessible, even via text. If he is in court, his ability to multi-task, you can feel safe and secure in knowing he is handling any issues or concerns. I entrust him with my future, he is a uniquely talented attorney who always challenges himself to achieve the absolute best outcome for his clients.



I was very satisfied with Mr. Clapp services. He is a man of his word and did everything he told me he would. I would highly recommend him.



I came to Mr. Clapp by referral with a complicated case involving both personal and business debts that were out of control. Mr. Clapp evaluated the situation and gave me options that I was not even aware of. He knows his stuff, executed flawlessly, and I have been able to start over. I highly recommend Charles Clapp if you have debt or bankruptcy issues. Listen to his advice, he knows his stuff. I consulted with several other bankruptcy attorneys prior to retaining Mr. Clapp, and they did not have the same breadth of knowledge that Mr. Clapp brought to my case.



I selected Charles Clapp to handle my bankruptcy based on his already positive reviews and I am glad that I did! He was very accommodating to my schedule and made my negative life experience positive. I was actually very surprised how easy he made the process. Life happens and it’s great to be represented by someone that understand that!!! Stop your attorney search with Charles Clapp!!!