Debt Relief & Settlement Options in Massachusetts

If you're behind on payments but unsure about filing bankruptcy, there may be other options. We help people across Southeastern Massachusetts explore debt relief, negotiate settlements, and decide if bankruptcy is really the right move—or not.

What Is Debt Relief?

Legal Help Without Filing Right Away


Debt relief means reviewing all your options—not just jumping into a bankruptcy. We’ll take a close look at your situation and help you figure out the best path forward, which might include:


  • Debt settlement (negotiating to pay less than you owe)
  • Payment plans with creditors
  • Budget restructuring or financial coaching
  • Avoiding lawsuits or default judgments
  • Bankruptcy as a last resort

You may have more choices than you think—but the sooner we look at it, the better.

What Is Debt Settlement?

Negotiate a Payoff Without Bankruptcy



 Debt settlement involves negotiating with creditors to accept less than the full balance. This can be a good option if:

You have lump-sum money to offer (like from a tax refund or family help)

You’ve fallen behind but aren’t being sued yet


Your debts are unsecured (credit cards, medical bills, loans)

We’ll contact creditors on your behalf and negotiate realistic settlements. If they won’t budge—or if the numbers don’t work—we can pivot to other options.

When Bankruptcy Might Be Better

Debt relief only works if it actually relieves you. If your debt is too large to settle or your income too low to pay it back, bankruptcy may offer stronger legal protection.



We’ll walk you through both paths, side-by-side. Our goal is to help you make the right call—not push you into something that won’t work.

We Help With...

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Settling credit cards & personal loans
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Fighting back against unfair debt collection
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Explaining debt consolidation vs. bankruptcy
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Helping you avoid garnishments, bank levies & court judgments
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Taking quick action when lawsuits or threats appear

You don’t need to guess your way through this.

Who We Work With

We help individuals & families in:

  • New Bedford, Fall River & Taunton

  • Brockton, Wareham & Middleborough

  • Mashpee, Hyannis & Cape Cod

  • Suffolk & Norfolk Counties

If your phone won’t stop ringing or you’re worried about being sued, let’s get ahead of it now.

Common Questions

FAQs About Debt Relief

  • Is debt relief the same as debt consolidation?

    No. Consolidation rolls debts into a single new loan. Debt relief may include settlement, negotiation, or bankruptcy depending on what makes the most sense.

  • Will settling debt hurt my credit?

    It may—especially if you’re already behind. But it’s often better than doing nothing. We’ll talk about how to minimize damage and rebuild.

  • Can I settle debt on my own?

    Sometimes. But we know how creditors work—and when to push back. Hiring a lawyer gives you stronger leverage, especially if they’re threatening lawsuits.

  • What if I already got sued?

    We can still help. Settlements can happen during a lawsuit, or we may advise filing bankruptcy to stop the case entirely.

  • What kinds of debt can be settled?

    Unsecured debts like credit cards, personal loans & medical bills are usually negotiable. Secured debts like mortgages and car loans are harder but sometimes possible.

Let’s Review Your Options Together

You Don’t Have to Guess Your Way Through This

One short call could save you months of stress. Let’s look at what makes sense—for your life, your finances & your future.


Call: 774-205-1984
Or use our Contact Form →