Houston Debt Settlement

We have helped Thousands of Americans Just like You.

McCarthy Law helps good, hard-working families in Houston who owe more than they can afford to pay back. Credit card debt, student loans, and upside-down second mortgages are just a few common types of debt we work with. Creditors and debt collectors can be very aggressive in trying to collect these debts, including filing lawsuits. These families need representation by competent legal counsel who understands their struggle and is willing to work with them within their tight financial circumstances.

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While McCarthy Law has a large national footprint, we work in communities with our clients so we can understand and help solve these overwhelming debt challenges. We have a caring and experienced team to help you navigate these challenges in a confidential and comprehensive way.

McCarthy Law is committed to representing you and negotiating your debts for a significant reduction of what is owed. The debt attorneys at McCarthy Law offer a consultation at no cost to you so we can understand your individual situation and determine how we may best help you.  We will create a strategy and debt settlement plan specific to you, and our experience will help us figure out the best solution for you in order to give you true debt relief. Start now by completing the form above, giving us a call, or chatting live. You can also click here to schedule your free consultation.

Many of our clients start to feel better just having had the consultation and gaining a better understanding of their options. Many companies attempt to settle debts but they will never be able to represent you like a law firm can. Unfortunately, many of these companies also cost their clients more in fees and get mediocre settlements. We love serving the community of Houston. If your debt has become overwhelming and you are seeking debt relief, call now to visit with our experienced and supportive staff to set up your no-cost consultation. Our staff is compassionate, confidential, and never judgmental.

We recommend you get legal advice from a licensed lawyer and not a company that claims to sell debt settlement services. Debt settlement is serious legal work; great results come from working with legal professionals who understand the law. We will examine your various options so you can make the most educated decision for you and your family. We invite you to call us and give us the opportunity to help you and get your life back.

Alternatives to Debt Consolidation in Houston, TX

Debt consolidation often promises quick fixes, but it can lead you down a treacherous path. Many Houston residents find themselves trapped in higher interest rates and longer repayment terms, worsening their financial situation. At McCarthy Law, we shed light on better alternatives that truly serve your interests. With a debt settlement lawyer on your side, you’ll find new options that can provide real relief and a path to financial freedom.

Consider these superior alternatives to debt consolidation:

• Debt settlement: Negotiate with creditors to reduce your overall debt
• Filing Bankruptcy: A fresh start for those overwhelmed by debt
• Debt management plans: Structured repayment without new loans
• DIY debt payoff strategies: Tackle debt on your own terms
• Legal defense against creditors: Protect your rights and assets

These alternatives offer more control, potentially lower costs, and a clearer route to becoming debt-free. Our team guides you through each option, helping you make informed decisions about your financial future.

Business Debt Solutions for Houston, TX

Running a business in Houston comes with its share of financial challenges. Economic fluctuations, unexpected expenses, or rapid growth can lead to overwhelming debt. As business owners ourselves, we know the stress this puts on you, your employees, and your dreams. We assist with complex issues like debt from second mortgages, debt collector efforts, and merchant loan debts. Our team develops strategies to negotiate with creditors, restructure debt, and protect your business assets. We look to keep your business afloat while working towards a debt-free future. With our help, you can focus on what you do best – running your business – while we handle the legal intricacies of debt resolution.

Credit Card Debt Solutions

Credit card debt can spiral out of control quickly, leaving you feeling helpless and overwhelmed. In Houston, we see countless individuals struggling with high interest rates and mounting balances. Our debt settlement lawyers at McCarthy Law are here to offer a lifeline. We use proven strategies to negotiate with credit card companies, deal with a credit card debt lawsuit, and hopefully leave you with one low monthly payment to help you get out of your credit card debt for good.

We deliver fantastic support, addressing credit reporting errors that may be harming your financial standing. Our attorneys also work to halt harassing phone calls from debt collectors and protect your bank accounts from unwarranted seizures. The goal is to give you a fresh start, free from the burden of credit card debt. You have rights when it comes to credit card debts, and we’re here to defend them vigorously.

Creditor Lawsuits

Facing a lawsuit from creditors or debt buyers can be terrifying. Many Houston residents feel powerless when served with legal papers. But here’s the truth: you have options, and McCarthy Law is ready to stand by your side. Our experienced debt defense attorneys know the tactics creditors use and how to counter them effectively.

We dive deep into each case, scrutinizing the validity of the debt and the creditor’s legal standing. Often, we find flaws in their claims that can lead to case dismissals or favorable settlements. We work to prevent default judgments that could severely impact your financial future. With McCarthy Law, you’re gaining a dedicated advocate who’ll fight tooth and nail to protect your interests and seek the best possible outcome in your debt lawsuit.

Divorce, Payday Loan, RV, and Boat Debt and More for Houston, TX

Life’s unexpected turns can lead to various types of debt. Divorce often leaves individuals struggling with shared debts and new financial realities. Payday loans, while seeming like quick fixes, can trap borrowers in cycles of high-interest debt. Even luxury items like RVs and boats can become financial burdens when you’re faced with medical debt, a personal injury, or some other circumstance that makes it difficult to deal with all your monthly payments.

At McCarthy Law, we offer support for those grappling with mortgage debt after divorce, helping to negotiate with lenders and find equitable solutions. For those caught in the payday loan trap, we work to break the cycle and find more sustainable repayment options. Even seemingly niche debts like those from RVs or boats are within our scope. We negotiate with creditors, explore refinancing options, and, when necessary, provide legal defense against aggressive debt collection tactics or debt lawsuits.

Visit McCarthy Law — Your Trusted Houston, TX Debt Settlement Attorneys

Debt settlement can be a powerful tool for those struggling with financial burdens. It offers a path to significantly reduce your debt, often allowing you to pay less than what you owe. This approach can help many people avoid bankruptcy while still achieving meaningful debt relief. At McCarthy Law, we’ve seen firsthand how effective debt settlement can be in transforming lives and restoring financial hope. When you choose McCarthy Law, you’re finding a partner committed to financial freedom. Speak with us today for a free consultation and for help through the entire debt settlement process.