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Debt Settlement Lawyers You Can Trust
At McCarthy Law, we specialize in providing comprehensive debt settlement solutions and credit error resolution services to individuals facing financial challenges. With over 13 years of experience, our team of dedicated attorneys has helped thousands of clients negotiate reductions in unsecured debts, including credit card debt, student loans, mortgage deficiencies, and more. We offer free consultations and operate nationwide, ensuring personalized legal representation tailored to each client's unique circumstances.Our firm is committed to transparency, ethical practices, and achieving measurable results that restore financial stability. By combining legal expertise with compassionate service, we empower clients to navigate complex debt situations while protecting their rights against creditor harassment and lawsuits.
Services
Credit Card Debt
Student Loan Debt
Divorce Debt
Mortgage Debt
Payday Loan Debt
RV and Boat Debt
Business Debt
Credit Report Errors
Creditor Lawsuits
Collections Violations
Highlights and features
- We offer free in-person consultations at 90+ nationwide locations
- Our attorneys represent clients in creditor lawsuits and legal disputes
- We guarantee 100% error removal from credit reports
- We operate on a flat-fee pricing model with transparent costs
- Our team includes specialized debt attorneys with 13+ years of experience
What people say
Best things we ever did
Grateful for their help
Highly recommend Kevin and team
Delighted with performance
Saved the day
Services
Debt Settlement
Our debt settlement service helps clients reduce unsecured debts through strategic negotiations with creditors. We specialize in resolving credit card balances, medical bills, and personal loans for less than owed amounts. Clients benefit from our legal expertise in creating customized settlement plans while avoiding bankruptcy proceedings. The process typically takes 6-36 months depending on debt complexity and creditor cooperation.
Student Loan Debt Relief
We provide specialized relief for private student loan debt through direct attorney-led negotiations with lenders. Our program targets high-interest private loans, aiming to reduce principal balances and interest rates. Services include defending against collection lawsuits and addressing credit reporting errors related to educational debt. We focus exclusively on private loans, as federal student debt requires different resolution strategies.
Credit Report Error Removal
Our credit error resolution service identifies and disputes inaccuracies on client credit reports through formal legal processes. We challenge incorrect balances, late payments, and fraudulent accounts with major credit bureaus. The service guarantees 100% error removal and helps clients rebuild credit scores post-settlement through proper financial reporting practices.
Creditor Lawsuit Defense
We defend clients against creditor lawsuits including debt collection actions and default judgments. Our attorneys represent clients through trial proceedings for $500 plus filing fees. Services include developing legal defenses, negotiating settlement alternatives, and protecting client assets from garnishment. We handle cases involving credit card companies, payday lenders, and debt buyers.
Mortgage Debt Relief
Our mortgage debt solutions address second mortgages, HELOCs, and home equity loans through settlement negotiations and loan modification assistance. We help clients avoid foreclosure by negotiating reduced payoff amounts or restructuring payment terms. Services include reviewing mortgage documentation, identifying lender violations, and creating customized resolution plans that protect home equity.
People
Kevin McCarthy
Attorney
Kevin McCarthy leads debt settlement negotiations with 13+ years of experience in consumer law. He specializes in complex debt cases and creditor lawsuit defense while maintaining a client-focused approach to financial recovery.
Jacob Hippensteel
Attorney
Jacob Hippensteel handles credit report error disputes and mortgage debt cases. He focuses on protecting client rights against aggressive collection practices while ensuring compliance with federal consumer protection laws.
Garrett Charity
Attorney
Garrett Charity specializes in student loan debt resolution and private lender negotiations. He helps clients navigate complex loan terms while developing strategic settlement approaches that minimize financial impact.
Joe Panvini
Attorney
Joe Panvini manages payday loan debt cases and predatory lending disputes. He focuses on stopping creditor harassment while negotiating reduced settlements that eliminate high-interest debt cycles.
Michael Adams
Attorney
Michael Adams handles divorce-related debt division and joint account negotiations. He specializes in separating marital debts while protecting clients from post-divorce financial liabilities through legal settlements.
Questions
What debt types can McCarthy Law help with?
We handle unsecured debts including credit cards, student loans, medical bills, payday loans, and mortgage deficiencies. Our services also cover credit report errors and creditor lawsuits.
How much does debt settlement cost?
Our fees are 55-60 cents per dollar of debt settled. Lawsuit representation costs $500 plus filing fees. We operate on a transparent flat-fee structure with no hidden charges.
Can you stop creditor harassment?
Yes, we legally represent clients in all creditor communications. Once notified of our representation, collectors must cease direct contact with clients under the Fair Debt Collection Practices Act.
How long does debt settlement take?
Most cases resolve within 6-36 months depending on debt complexity, creditor cooperation, and client payment capacity. We prioritize faster resolutions while protecting client legal rights.
Do you offer free consultations?
Yes, we provide free in-person consultations at 90+ locations nationwide. Our attorneys review your financial situation and explain all available debt relief options without charge.
Can settled debts affect credit scores?
Settled debts may initially impact credit scores but improve them long-term by reducing debt-to-income ratios. We help clients rebuild credit through proper financial management and reporting corrections.
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