Toms River Debt Settlement Attorney

New Jersey Debt Resolution Lawyer

Your economic situation is less than ideal, but you do not want to file for bankruptcy. You have heard about debt settlement and you want to learn more. Unfortunately, many debt settlement companies may urge you to quickly negotiate with your lenders for a lower loan payment without being able to help you achieve it cost-effectively.

At the Law Office of David A. Semanchik, we have nearly 20 years of experience steering clients in the direction that is best for them. We take into account your budget, credit history, tax implications and other factors that can affect debt settlement. We use these factors to help you evaluate the best road to take to meet your goals.

Please contact us via e-mail or call 888-691-1099 to schedule a free initial consultation with a Toms River debt settlement lawyer.

What Can a Debt Settlement Attorney Do for You?

Attorney David A. Semanchik is an aggressive negotiator who can work with your creditors to develop an appropriate debt settlement. He has negotiated debt repayment plans that involve both unsecured debt (such as credit card debt) and secured debt (such as mortgage debt). In some cases, this may involve reducing your monthly payments and extending the term of the loan. In other cases, this may mean lowering the total amount of debt you owe to your creditor.

Bankruptcy or Debt Settlement?

Your unique circumstances will determine whether debt settlement is an option for you. For example, the impact on your taxes and credit may be too much to consider this form of debt relief. Your lender may also refuse to negotiate a debt settlement. In these cases, bankruptcy may be the better choice. We can help you evaluate your situation to determine what option is best for you.