💳 Debts We Settle.
Debt Settlement Attorney in Las Vegas & Henderson, NV.
At A Fresh Start Law, we’ve helped clients reduce or resolve a wide range of debts. Here are some common types we negotiate every day:
- 💳 Credit cards.
- 🚗 Repossessed vehicle debt.
- 🏥 Medical bills.
- 🚘 Uninsured / under-insured car accident claims.
- ⚖️ Court judgments.
- 📑 Pending lawsuits.
- 🎓 Student loans.
- ☀️ Solar or water system financing.
- 🏠 Unpaid rent, evictions & lease disputes (personal or business).
- 💡 Utility bills.
- 📜 Breach of contract.
- 👤 Personal loans.
- 🏢 Business loans & debts.
- 🏛️ State tax debt.
🔎 Debt Settlement vs. Debt Consolidation.
It’s easy to confuse the two — but they are not the same.
- ✅ Debt Settlement: A creditor agrees to accept less than the full amount to consider your debt “paid in full.”
- ❌ Debt Consolidation: True consolidation requires a new loan to pay off old debts. But most so-called “consolidation companies” aren’t lenders at all.
⚠️ Here’s the catch: many “consolidation” companies actually provide debt settlement but disguise it as consolidation — but with hefty fees, long delays, and zero accountability. While you think you’re paying creditors, your payments often go toward the company’s fee. In the meantime:
- ⏳ Months or years may pass with no progress.
- 💔 Your credit score tanks even further.
- 📜 You may even face lawsuits you never saw coming.
At A Fresh Start Law, we’re upfront: we negotiate directly with creditors, and you don’t deposit settlement funds until an actual agreement is in place.
⚙️ How Debt Settlement Works.
Debt settlement succeeds because collecting from someone who doesn’t voluntarily pay is costly for creditors. A skilled negotiator (like Attorney Dorothy Bunce) can often:
- 💰 Negotiate lower payoff amounts.
- ⏱️ Arrange affordable payment timelines.
- ✨ Eliminate creditor harassment.
👉 It’s a good fit if you can pay something toward your debts but need relief from impossible balances.
❓ Can All Debts Be Settled?
Not every creditor will agree. No judge can force a settlement. That’s why:
- ⚖️ Debt settlement involves some risk.
- 🤝 We help clients limit that risk by keeping fees modest and results-based.
- 🏦 You don’t deposit funds with us until a deal is struck (unless you want us to hold them).
🤔 Is Debt Settlement a Good Idea?
It depends on your goals and circumstances. Debt settlement can be powerful, but it’s not for everyone.
👍 Advantages:
- 📵 Stops creditor harassment.
- 🚫 Avoids bankruptcy.
- 💳 Reduces what you owe.
- 🔒 Keeps financial info private.
- 🏡 Doesn’t touch your property.
👎 Disadvantages:
- ❌ Some creditors may refuse.
- 📈 Fees & interest can grow if settlement drags.
- ⚠️ Your credit score may take a hit.
That’s why an experienced debt settlement lawyer is crucial. We’ll analyze your situation, set realistic expectations, and tell you honestly if a settlement isn’t a fit.
📞 Speak To a Skilled Debt Settlement Lawyer.
At A Fresh Start Law, Attorney Dorothy Bunce brings 35+ years of experience in bankruptcy and debt resolution. She and our team will:
- 📑 Review your debts and goals.
- 💬 Explain settlement vs. bankruptcy options.
- ⚖️ Negotiate directly with creditors on your behalf.
👉 Call us today at (702) 551-3256 or schedule a free consultation online.
✨ Debt doesn’t have to define you. Let’s explore the smartest way to take control and start fresh.