Meet Our Arizona Debt Attorneys

Debt Settlement Lawyer in Phoenix, AZ

Learn more about our attorneys in Arizona and set a free consultation for one nearest your home or work.

Michael Adams

McCarthy Law | Scottsdale

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Jacob Hippensteel

McCarthy Law | Scottsdale

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Kevin Fallon McCarthy Arizona debt attorney
Kevin McCarthy

McCarthy Law | Scottsdale

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Joe Panvini

McCarthy Law | Scottsdale

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Life in Phoenix can transform dramatically when debt takes hold. From medical emergencies to job losses, credit card spending to failed businesses, and second mortgages, the path to financial strain often starts with everyday situations that could happen to anyone. Many Phoenix families find themselves overwhelmed by mounting bills, facing aggressive debt collectors, and struggling to keep up with payments. The weight of debt affects everything — your home life, relationships, and even your health.

At McCarthy Law, watching Phoenix residents struggle with debt moves us to action. It’s why our debt settlement attorneys dedicate themselves to helping Valley residents find real solutions. We see how debt impacts local families and businesses every day, and we’re passionate about providing paths to financial freedom through proven debt settlement processes. The rising cost of living in Phoenix, combined with unexpected financial challenges, has left many residents searching for answers. Our mission is to provide those answers and guide you toward lasting solutions.

Partner with a Phoenix debt settlement attorney today. Your quest for relief truly begins with McCarty Law.

Alternatives to Debt Consolidation in Phoenix, AZ

Debt consolidation sounds appealing on the surface — one monthly payment instead of many. However, consolidation often extends your repayment period significantly while providing minimal reductions in what you actually owe. Through proper debt settlement processes, our Phoenix debt settlement attorneys negotiate directly with creditors to reduce your outstanding debt substantially. We’ve helped countless clients significantly reduce their unsecured debt through strategic negotiation.

The key difference is that debt settlement can lead to actual principal reduction, not just simplified payments. With experienced attorneys handling your debt negotiation, you gain powerful legal representation and protection from illegal debt collection practices. Many debt consolidation companies simply refinance your debt without addressing the underlying amount you owe.

We offer the following alternatives to debt consolidation:

  • Debt settlement
  • Bankruptcy relief
  • Credit counseling
  • Debt management plans
  • Do-it-yourself negotiations

When you work with our Phoenix debt settlement lawyers, we analyze your entire financial situation to create a comprehensive strategy. This includes reviewing all your unsecured debt, examining creditor practices for potential violations, and identifying opportunities for significant reductions. Our attorneys know the tactics debt collectors use and how to counter them effectively throughout the debt settlement process while working toward a resolution that truly improves your financial position.

Student Loan Debt Settlement in Phoenix That Actually Work

Federal student loans require special handling. They follow different rules under the bankruptcy code than other types of debt. Our Phoenix debt settlement lawyers stay current on all regulations and relief programs available. We examine every angle to help get loans discharged or modified when possible. Many don’t realize that changes in circumstances, school closures, or certain disabilities may qualify you for discharge.

The complexity of student loan programs often leaves borrowers unaware of their rights and options. We help you navigate federal loan repayment programs, income-driven plans, and potential discharge scenarios. Private student loans may offer different settlement opportunities, and our attorneys know how to approach these negotiations effectively.

Recent changes in student loan policies have created new opportunities for borrowers. Every Phoenix debt settlement lawyer on our side will stay ahead of these developments to give you the most current and beneficial options. When you’re struggling with federal student loans, private education debt, and other complications related to student loans, look to McCarthy Law to find solutions that align with your financial reality and future goals.

Business Debt Resolution in Phoenix, AZ

Running a business comes with financial risks, and sometimes debt becomes unmanageable despite your best efforts. Our experienced attorneys help Phoenix business owners evaluate all debt relief options while protecting their enterprises. We work to settle business credit cards, vendor accounts, and equipment loans through strategic negotiation with creditors.

Small business owners face unique challenges when dealing with debt. We help you separate personal and business obligations while developing strategies for both. Our attorneys can help you evaluate whether debt settlement, restructuring, or other options best serve your business interests and help you recover from SBA or other business loan debt.

Divorce, Payday Loan, and RV and Boat Debt for Phoenix, AZ

Life changes and major purchases can lead to overwhelming debt. For some, that means you’re dealing with divorce-related debt. For others, it means payday loans that come with sky-high interest or financing on boats and RVs. When you need help, our Phoenix debt settlement lawyers evaluate your complete financial picture.

Divorce often creates complex financial challenges, with debt division becoming a major source of stress. Our attorneys help you address marital debt issues while working toward a fresh financial start. We’ve seen how payday loans can trap borrowers in cycles of escalating debt, and we know effective strategies to break these cycles.

Recreational vehicle loans, including boats and RVs, can become burdensome when circumstances change. Many clients are surprised to learn they have options beyond minimum monthly payments. Through strategic debt negotiation, we help secure more favorable repayment terms that work for your situation.

Your Path Forward in Phoenix Starts Here

Debt creates immense pressure for Phoenix families and businesses, affecting everything from daily decisions to long-term dreams. But you don’t have to face it alone. Through proven debt settlement processes and strong legal representation, McCarthy Law’s fantastic attorneys have helped clients move toward a brighter financial future.

Together, we can develop a strategy to reduce your debt burden and put you back in control of your finances. Your financial recovery is our priority, and we’re ready to help you take the first step toward a debt-free future. Speak with one of our attorneys in Phoenix and the surrounding areas for help with student loan debt, divorce debt, credit card debt management, and more. We’re always here to help.

Our Locations in Arizona

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