✂️ Debt Settlement Lawyer in Las Vegas.
🕵️ A Fresh Start Without Bankruptcy.
Bankruptcy isn’t right for everyone. If your financial goals don’t line up with filing for bankruptcy, debt settlement could be the solution you’re looking for. At A Fresh Start Law, Attorney Dorothy Bunce has helped countless Las Vegas residents reduce what they owe, protect their privacy, and finally take control of their financial future.
🤔 What Exactly Is Debt Settlement?
Debt settlement is a process where creditors agree to accept less than the full balance you owe in exchange for marking the debt as “paid in full.”
As you may realize, debt settlement is an entirely different process than “debt consolidation.”
- Debt Consolidation (in theory): Taking out one big loan to pay off all your smaller debts.
- What’s usually offered: So-called “consolidation” companies aren’t lenders at all — they’re unregulated businesses that take your money in fees long before they ever contact your creditors. Many clients pay them for years without seeing results.
With real debt settlement, you get direct negotiation with creditors so you can pay less and move on faster — without wasting time or money on shady companies.
⚖️ How Does Debt Settlement Work?
Creditors know that collecting unpaid debts is difficult, time-consuming, and expensive. That’s why they’re often willing to negotiate. A skilled attorney can:
- Persuade creditors to accept a lump-sum settlement.
- Reduce debts at a meaningful discount.
- Stop harassment while negotiations are underway.
At A Fresh Start Law, we represent not only standard credit card cases but also the kinds of debts that large settlement companies often refuse to handle, such as:
Court judgments and pending lawsuits
Medical debt and accident claims
Student loans
SBA loans and business debts
📌 Can All Debts Be Settled?
Not always. Creditors have the right to say no, which means there’s some risk involved. That’s why choosing an experienced debt settlement attorney is essential. At A Fresh Start Law:
We educate you on the risks before you commit.
We charge a modest retainer and don’t get paid until we get results.
We don’t require you to hand over settlement funds in advance.
This approach keeps you in control — your money stays with you until a settlement agreement is reached.
⏳ How Long Does It Take?
If you already have the funds available to settle, agreements can sometimes be reached within days.
If you need time to save, the process can take longer — because negotiations work best when the money is ready.
Because of our strong credibility with creditors, they know that when A Fresh Start Law is involved, settlement offers are genuine and reliable. That trust makes negotiations faster and more effective.
Advantages of Debt Settlement
Choosing debt settlement offers several significant benefits:
Stops creditor and collector harassment.- Reduces the amount you owe.
- Keeps your financial details private (unlike bankruptcy, which is public record).
- Is a bankruptcy alternative.
- Usually can be completed faster than a Chapter 13 Bankruptcy repayment plan.
Stops creditor and collector harassment.
Keeps your financial details private (unlike bankruptcy, which is public record).
Is a bankruptcy alternative.
Usually can be completed faster than a Chapter 13 Bankruptcy repayment plan.🙋 Is Debt Settlement Right for You?
Debt settlement works best if:
- You have access to lump-sum funds (from savings, family, or another source).
- You want to avoid bankruptcy but still need to reduce your debts.
- You’re dealing with aggressive creditors or collection lawsuits.
Debt settlement may not be right for everyone — but that’s why we always start with a free consultation. Attorney Dorothy Bunce will review your debts, your goals, and your alternatives, and provide you with honest advice about whether debt settlement makes sense for your unique situation.
🌟 Take the First Step Toward Relief
You don’t have to face debt collectors alone. At A Fresh Start Law, we’ll negotiate directly with your creditors to help you settle for less, regain control, and move forward with confidence.
⚖️ Debt Relief Options: How Do They Compare?
When you’re buried in debt, it’s hard to know which path is best. Here’s a side-by-side look at the three most common solutions:
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Speak with a skilled debt settlement lawyer at A Fresh Start Law today.
Frequently Asked Questions
Is there still any questions from you? You can contact us for more advanced questions or answers
Q: Will I owe taxes on forgiven debt?
Yes, sometimes. If a creditor forgives more than $600 of debt, they may send you a 1099-C tax form. That amount could be considered taxable income. But many people qualify for exceptions, especially if you’re insolvent (meaning your debts are greater than your assets). We’ll help you understand your tax situation before you settle.
Q: Will creditors still call me while I’m in debt settlement?
Q: Can all debts be settled?
Q: How much can I save with debt settlement?
Q: How long does debt settlement take?
Q: Is debt settlement better than bankruptcy?
🌟 Bottom Line
Debt Settlement =
best if your debts are overwhelming and you need a complete reset.
Bankruptcy =
best if your debts are overwhelming and you need a complete reset.
Debt Consolidation =
best if your credit is still strong and you qualify for a fair loan.