Debt Negotiation Helping You Live a Debt Free Life

Riverside Debt Negotiation Attorneys

Take Control of Your Debt & Financial Future Today

At SM Law Group, APC, we know that bankruptcy might not be the right or only answer for people who are dealing with overwhelming financial debt. There are many reasons why a person might not be able to file for bankruptcy. Some people earn too high of an income or own too many assets, while others have already filed for bankruptcy within the last eight years. That is why our friendly and compassionate legal team offers comprehensive debt negotiation and settlement services to help clients throughout the greater Riverside area reduce the total amount they owe to creditors and lenders.

To speak to a Riverside debt negotiation lawyer at our firm about individual debts, please call (818) 805-1758, or contact us online for a free consultation.

Debt Negotiation vs Bankruptcy

Bankruptcy is just one option that people have at their disposal for getting out of debt. In addition to bankruptcy, there is also debt consolidation, debt settlement, and debt negotiation. With the help of a knowledgeable lawyer and one of these non-bankruptcy debt-relief options, you can negotiate and settle your debt for less than what you owe.

Debt negotiation is an effective option for clients in the following situations:

  • If a person doesn’t qualify for bankruptcy or doesn’t have enough debt for bankruptcy to be effective.
  • If a person has enough funds to pay a portion of the debt but they don’t want to accrue late fees and interest every month on the remaining balance of their accounts.

Let Our Talented Debt Negotiation Team Assist You

Our seasoned legal team understands that dealing with creditors can be challenging, especially if you are not familiar with the laws or what you need to do to protect your best interests. Our Riverside attorneys are here to walk you through the entire process and guide you towards the most effective outcome possible.

Are you tired of trying to manage burdensome debt? If so, get in touch with us so we can help you:

  • Contact Creditors: Our attorneys can contact your creditors to make offers on your behalf that are affordable. We have helped clients in Riverside reduce and settle their balances so that creditors close out the accounts and they no longer owe them money.
  • Handle Account Logistics: Let us our legal insight to establish a trust account for you to deposit funds. The funds in the trust will be used to pay your creditors once we reach fair settlements.
  • Negotiate with Creditors: When we negotiate with creditors for our clients, we start at the lowest possible amount. As we negotiate, you can deposit funds into the trust account in case we reach a settlement. We also won’t try to negotiate a settlement above the amount deposited in the trust account. When we tell your creditors that funds are immediately available for a settlement, they are more likely to accept our settlement offers. Once you no longer owe them money, you can rest easy and begin rebuilding your credit.
  • Educate You on the Risks: We value honest communication and transparency, which is why you can count on us to inform you of the risks involved with debt settlement. From how much of a hit your credit rating might take to how long debt charged off by lenders will stay on your credit report, we can help you look at your situation from different angles so you understand what is at stake.

Speak to Our Experienced & Trusted Debt Relief Specialists

Although people are often tempted to negotiate debt relief settlements on their own, the legal system can be complicated and confusing if you don’t have a strong background in law. Our debt negotiation attorneys will gladly take the time to educate you on all of your options and walk you through each step of the debt negotiation process so you feel confident that nothing is missed and you’re not taken advantage of by creditors and lenders.

We take great pride in the wide variety of client-focused services we offer at our law firm. To speak to an attorney in Riverside, please give us a call today at (818) 805-1758 to request a free consultation.

Get a Fresh Start & Wipe Away All Your Debt

See Our Winning Case Results
  • Individual v. Credit Card Company (harassing phone calls) $175K settlement
  • Individual v. Credit Card Company (harassing phone calls) $150K Settlement
  • Small Business Chapter 7 Over $750,000 Debt Discharged
  • Individual v. Credit Card Company (harassing phone calls) $250K Settlement
  • Individual Chapter 13 $100,000 of Unsecured Debt Discharged
  • Individual v. Credit Card Company (harassing phone calls) $280K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $300K Settlement
  • Individual Chapter 7 Over $1 Million Debt Discharged
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Client Reviews

Hear From The People We've Helped
  • Hard working

    “Kian did my bankruptcy with flying colors. Now he's working on my PI case. He's friendly and a hardworking. I highly recommend him.”

    - Former Client
  • I would recommend them to anyone.

    “Very professional. Even when the defending insurance company tried to drag out the procedure and lowball the payment, the attorneys at SM would always push forward in order to get me the highest ...”

    - Joshua N.
  • Great working with you guys!!

    “I'll contact you guys again if I need help with anything else. Much appreciated all the help from everyone at your office. Thanks!”

    - Hermes P.
  • They were awesome and spent time with me over the phone and answered my questions.

    “I had some legal questions and I gave them a call. They were awesome and spent time with me over the phone and answered my questions. With all this Covid stuff I didn't need to even go into their ...”

    - Shawn M.
  • I was extremely happy and satisfied with my settlement and outcome of my case.

    “My personal injury attorney was Kian Mottahedeh. He was extremely professional, and he was always available whenever I had a question or concern. Both of his legal assistants, Esmeralda and Genesis, ...”

    - Dan N.
  • Thank you, Kian, for your professionalism and expertise!

    “During the most difficult time SM Law walked me through every step and got me an amazing settlement. Thank you, Kian for your professionalism and expertise! I highly recommend SM Law!”

    - Nathan N.
  • The absolute best when it comes to handling bankruptcy!

    “They do not pass any judgment upon you - they are simply there to help. I found them to be honest, reliable and timely. The support staff is extremely friendly and very informative. The lawyers have ...”

    - Anna G.
  • John and the representative who met me at the courthouse were very thorough and guided me every step of the process.

    “Thank you John Sarai and the rest of SM Law Group for helping me file my Bankruptcy Chapter 7 case. It was a smooth process. John and the representative who met me at the courthouse were very thorough ...”

    - Evitha B.
  • They made a very stressful situation much easier for me.

    “SM law group handled my bankruptcy case and I was very satisfied with their service. They made a very stressful situation much easier for me. They explained everything to me and it was fast and ...”

    - Lenny DcComics
  • I have never experienced more professional care. My phone calls and emails were answered within 5 minutes!

    “Absolutely outstanding experience! Kian Mottahedeh was my attorney. I have never experienced more professional care. My phone calls and emails were answered within 5 minutes every single time. Kian is ...”

    - Lenka Wallace
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